Can students apply for a credit card?

It can be done, but since students have no financial income, it is more difficult for students to apply for a credit card. Generally, banks that can handle debit cards can handle credit cards. According to the relevant regulations of the China Banking Regulatory Commission, banks are not allowed to issue credit cards to students under the age of 18, except supplementary cards; if they are students over 18 years old and have no job or source of income, they need to implement the second repayment when applying for the card. person, and the second repayer needs to have a certain repayment ability. If the above conditions are met, students over 18 years old can apply for a credit card. College student credit cards are credit cards issued by banks specifically for college students.

Functions of college student credit cards:

1. Free remittance to other places: Parents can deposit cash in other places and withdraw money locally without paying any handling fees.

2. Accumulated points for consumption: When you use a credit card for consumption, you can accumulate points from the corresponding card-issuing bank. Points can be redeemed for goods. The specific accumulation rules and redeemable goods vary depending on the card-issuing bank.

3. Establish a credit record: A good credit record will facilitate future housing loans or other consumer loans.

4. Spend first and repay later: After swiping the card for consumption, the bank will collect the payment 20 to 50 days later, during which no interest or fees are required.

5. Installment shopping: When purchasing your favorite big-ticket items such as computers, you can apply for credit card installment payment, with periods ranging from 3 to 24 months. The following banks have issued credit cards for students: 1. Peony Student Card of Industrial and Commercial Bank of China; 2. Long Card Student Card of China Construction Bank; 3. Excellent Card of Agricultural Bank of China; 4. Yong Card of China Merchants Bank; 5. Bank of China of Bank of China. Metro Card; 6. Guangdong Development Bank. But be sure to pay attention to safety, because at this time, some criminals will sneak into the school and deceive students. College students have little social experience, so do not believe the words of scammers. They were fooled. Be sure to remember that there is no handling fee when applying for a credit card! When applying, you should carefully inquire about the credit card's annual fee calculation, limit, repayment period, cash withdrawal handling fee and other related issues.

Can students apply for a credit card?

College students only need to be over 18 years old to apply.

Some banks have issued credit cards for college students. The basic requirements are as follows:

1. Over 18 years old.

2. No problem with your credit record.

3. College undergraduates and junior college students are not allowed. Apply as an office worker. You must be a freshman, sophomore, or junior, and you are not allowed to apply for a master's degree or a doctoral degree. You need to provide your student ID card and ID card. , The school meets the standards developed by banks. Not all schools can apply. Some banks will set a standard, such as universities that meet the standards of second-level colleges or above.

After meeting all the above conditions, it will be accepted. You can apply for a credit card, but you must apply for the corresponding card type. Some banks' credit cards for college students are called campus cards, student cards, etc. The specific names of each bank are different. When applying, there will be prompts above.

College students. Can I apply for a credit card?

Yes, college students can apply for a credit card. Generally speaking, citizens who are over 18 years old can apply for a credit card at the bank counter or on the bank's website. Application for a credit card. It is worth noting that it is still difficult for college students to apply for a platinum credit card. 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 this type of object. < /p>

College students can go to a bank branch to apply for it, but just 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 general cards. The application conditions are relatively simple and easy to apply for.

If you apply for a platinum credit card, it will be difficult. After all, college students do not have a formal job and have no stable source of income. This kind of high-level card has high financial requirements for the cardholder. Naturally, when faced with customers such as college students with average repayment ability, student credit cards are usually rejected.

The application conditions are 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?

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.

For more information about whether college students can apply for a credit card, enter: View more content

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 who are 18 years old or above and whose academic qualifications meet the requirements can apply directly online for student credit cards from various banks, such as Pudong Development Youth Campus Card. After approval, they will be issued You can get the card by presenting your valid ID + student ID for face-to-face 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. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

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. .

This ends the Zhihu introduction on Can Students Apply for a Credit Card and Can Students Apply for a Credit Card? Have you found the information you need?