Can college students apply for a credit card?

1. Apply for a student card

Many banks have launched exclusive credit cards for college students. College students must be 18 years old or above. If your academic qualifications meet the requirements, you can directly apply online for student credit cards from various banks, such as Pudong Development Youth Campus Card. After passing the review, you can apply for the card by bringing your valid ID + student ID for an interview.

However, one characteristic of this type of credit card is that the credit card limit is sealed before graduation. After all, college students do not have jobs and do not have the ability to repay, so the bank will definitely not be assured of granting the credit limit, so they can only By depositing money into the card for consumption, you can enjoy bank credit card discounts and build credit early.

If you want the bank to provide a credit limit, your parents need to provide a second source of repayment as a guarantee. You can get a credit limit ranging from 3,000 to 8,000 yuan depending on your academic qualifications. After overdraft consumption, your parents need to repay the loan on your behalf. of.

2. Apply for an additional card

If a college student’s parents have a credit card, they can ask them to apply for an additional card. This card has the same limit as the parent’s main card. Parents can control the supplementary card limit and set a transaction limit to prevent college students from overdrafting.

3. Apply for a regular card

Nowadays, many college students have not graduated yet, so they will use their summer vacation to do it. This can be regarded as an income, but it is not stable. If you want to apply for a credit card, you can Make an appointment to apply for a card at your doorstep.

The bank card application officer will provide card application services at the internship unit. As long as you don't say that you are an intern, it is best to fill in the working experience for more than half a year when filling out the form, and the card may be issued.

Extended information:

Application

In most cases, those with full capacity for civil conduct (citizens over 18 years old in mainland China), have certain Citizens with direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. [9]

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Can college students apply for credit cards?

Hello, card friend, college students can apply for credit cards, but it should be noted that banking financial institutions will follow the principle of prudence to provide students with credit cards. Issue credit cards. In other words, banks will not issue credit cards (except supplementary cards) to students under the age of 18. Moreover, when issuing credit cards to students who are over 18 years old and have no fixed job or stable source of income, a second source of repayment must be implemented, and the second source of repayment must have the corresponding repayment ability.

Therefore, if you are over 18 years old, have normal performance in school, and have the ability to repay, you can apply for a credit card from the bank. Currently, many banks have launched credit cards for college students, such as Agricultural Bank of China Excellent Card and China Construction Bank Long Card Student Card card, Minsheng International Student Credit Card, etc. It is recommended that you try to apply.

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Hello, this card friend, college students can apply for credit cards, because many banks now A credit card for college students has been launched. But you need to first meet the conditions for applying for a credit card, that is, you must be over 18 years old. Banks will not apply for credit cards for students under 18 years old.

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Can college students apply for credit cards

Yes, but according to the China Banking Regulatory Commission According to the regulations, college students need to appoint a second repayer when applying for a credit card, so parents or relatives need to sign a guarantee statement.

Educational qualification restrictions are the first prerequisite for students to apply for a credit card. Students must be over 18 years old, and must have a full-time undergraduate degree or above to apply. If they are only students in technical secondary schools or higher vocational schools

The probability of success is basically zero. In addition, the application quota for pure college students is also relatively low. If you have one, it depends on the type of part-time job and income level. It is best to choose a regular company, one that can sign an internship or contract, or one with a work permit , this will help the bank verify the information, and at the same time, your card approval limit will be increased accordingly.

1. Six major functions of credit card:

1. Credit card is a certificate of confidence

The overdue record, credit limit and other information of the credit card account will be recorded National personal credit reporting system. Cardholders can increase intangible assets such as credit through continuous accumulation, which is a beneficial support for cardholders to carry out other economic activities, such as applying for loans from banks.

2. Credit cards have credit functions

Credit cards can be used for consumption first and repayment later. You can enjoy an interest-free period of up to 50 days for consumption. If you pay off all the money on time, you can be exempted from the interest charged by the card-issuing bank on advances for cardholders.

3. Credit cards can be used for installment payment

When the cardholder uses the credit card to make large purchases, the bank will pay the merchant a one-time payment for the goods (or services) purchased by the cardholder. Spend the funds and then have the cardholder repay the money in installments to the bank.

4. Cash withdrawals can be made with credit cards

Cardholders can withdraw deposits from their credit card accounts at the card issuer's branch counters or ATMs, or they can also borrow cash in advance.

5. Credit cards have settlement functions

It is very convenient to make purchases at online domestic and foreign merchants, withdraw cash at ATMs and bank outlets, and transfer funds for settlement.

6. Credit card has overdraft function

This is the most important function of a credit card. It determines a credit limit based on the applicant’s credit situation. The applicant can apply within this limit. Overdraft consumption. For example, if your repayment date is the 12th of each month, then your consumption before the 12th can be repaid before the 30th of the last repayment day of the month; if you consume after the 12th, the repayment will be at the end of the next month. Yes, you can get more interest-free time.

Can college students apply for a credit card?

Yes, college students can apply for a credit card. Generally speaking, as long as citizens are over 18 years old, they can apply for a credit card at a bank. The person applying can apply for a credit card at the bank counter or on the bank's website. It is worth noting that it is still difficult for college students to apply for platinum credit cards. This is because the vast majority of college students do not have a fixed source of income, and it is usually difficult for banks to pass the application requirements for such objects.

College students can go to a bank branch to apply for it themselves, but they just need to pay attention to choosing the card type according to their own needs. For example, you can choose to apply for a card specially designed for young people, because most of these cards are ordinary cards, the application conditions are relatively simple, and it is easier to apply for them.

If you apply for a platinum credit card, it will be difficult to do so. After all, college students do not have formal jobs and therefore do not have a stable source of economic income. And high-level cards like Platinum Card have high financial requirements for cardholders. Naturally, when facing customers with average repayment ability, such as college students, they usually refuse to approve the card.

The application conditions for student credit cards are also relatively simple, as long as you meet the age limit and have no serious bad credit information.

Of course, everyone needs to note that the limit of a student credit card may not be very high. Many people apply for a limit of only tens or hundreds of yuan, or even zero. They must first save money before spending, and accumulate good use. Only after the card is recorded can the bank raise the limit.

College students can also directly apply for a credit card online. The online application steps are simpler. You can log in to online banking on a computer or mobile banking or credit card APP on your mobile phone. The same condition that you must meet when applying for a credit card is a stable source of income. But for college students, they basically have no source of income and no fixed job, because their main job is to study. However, if you are about to graduate and have signed an internship contract with a company, the success rate of your application will be greatly improved.

Can students apply for a credit card?

Yes.

Generally speaking, it is not easy to apply for a credit card for college students, but it can be done, such as China Merchants Bank student credit card, China Construction Bank Long Card student credit card, Wanda movie 50% off, Agricultural Bank of China Youka credit card, Bank of China Taobao campus credit card Card, directly Alipay account, etc. These are all credit cards for college students, but generally there is no limit, and in rare cases it is less than 5,000. The reason is that students generally have no income. As for the materials, generally For student ID cards and admission notices, national regulations require that cards be issued to students with caution, and they will not be issued unless stated. There are also general student credit cards that have no limit, but can enjoy the benefits of normal credit cards. For example, the Bank of China Campus Card has no limit, but still enjoys points. , you can also exchange gifts, and most other banks are like this, but I guess small banks may have quotas. You can call the customer service of small banks and ask. Of course, the best thing is to do your parents' job and let them I will apply for an additional card for you. In that case, there will definitely be a limit, which can usually exceed 5,000. It’s better to manage your finances early and benefit early. It’s not easy to do it by yourself.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate). Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

Can college students apply for credit cards?

As long as you are over 18 years old, you can go to any bank to apply for a card. There are also many banks that have launched exclusive credit cards for the student group, such as Bank of Communications' Y-POWER credit card campus version, China Merchants Bank's YOUNG card campus version, China Construction Bank's Dragon Card JOY credit card student version, etc.

The application conditions for student credit cards are also relatively simple, as long as you meet the age limit and have no serious bad credit information. Of course, everyone needs to note that the limit of a student credit card may not be very high. Many people apply for a limit of only tens or hundreds of yuan, or even zero. They must first save money before spending, and accumulate good use. Only after the card is recorded can the bank raise the limit.

If college students want to apply for a credit card, it is generally not recommended to apply for a high-level platinum card with high application thresholds and strict requirements on the applicant's economic income level. However, regular cards and gold cards with lower application thresholds are suitable. More suitable for handling.

Unless the client's family is very wealthy, he already has a lot of assets in his name, and his economic level is really high, then it is no problem to apply for a platinum card.

Of course, most people recommend applying for a general card first. Everyone needs to pay attention to the fact that many banks have campus credit cards specially launched for college students, as well as youth credit cards for young people. For example, China Merchants Bank's YOUNG card (youth version), Bank of Communications' Y-POWER card (campus version), China Construction Bank's JOY card (student version), etc. You can also specifically choose such cards to apply.

However, the initial limit of a credit card is not expected to be high, and some campus cards may have an initial limit of zero. But don’t worry too much. The card limit is not static. As long as you pay attention to accumulating good credit in the future, the bank will naturally increase the limit.

That’s it for the introduction of whether college students can get a credit card.