You are an undergraduate, and you have a regular job. It depends on what kind of job or position you have. There is no problem to apply for a credit card in your case, but don't apply directly in the bank, because you have to provide various documents to apply there, such as real estate license, your own car license, proof of salary income and so on. It is recommended that you meet them on the roadside or in big shopping malls, such as quancheng road, the section of Shanda Road Science and Technology Market, in front of Carrefour, Honglou Square, in front of Honglou Ginza, Gome, Suning, Ginza, Tesco and other supermarkets. In these places, only ID cards are provided, and gifts are also given. Don't worry, these places are also employees of the retail business department of the bank, but it will be easier to apply for more cards and get a commission. If it is your first time to apply for a credit card, the credit limit should not be very high, because you have never used it before and have not generated a credit record. This is the first time for a bank, and the credit limit is generally below 5, yuan. However, with a period of time, the quota will gradually increase.