According to the Notice on Further Regulating Credit Card Business issued by the China Banking Regulatory Commission, banks are not allowed to issue credit cards (except supplementary cards) to students under the age of 18. When issuing credit cards to students who have reached the age of 18 but have no fixed job or stable income, the second repayment source must be confirmed, and the second repayment source should have the corresponding repayment ability.

According to the above regulations, if a student wants to apply for a credit card, he/she needs the endorsement of his/her parents. Once the cardholder defaults, the bank can confidently ask his/her parents, that is, the second repayment source, for money. :

There are many well-off college students who have reached the age of 18 and have strong spending power. Because they have no stable income, they are not suitable for applying for most credit cards. If you really want a credit card, you can use your immediate family credit card and ask the cardholder to open a secondary card account for you. There are few requirements for opening a secondary card account, which is very easy to achieve, and it is also a good way to have a credit card.

a credit card is a financial tool that can be consumed first and then repaid, that is, the bank's money is used for consumption, and timely repayment is the accumulation of personal credit. However, if you ignore your repayment ability because you can overdraw, you will be unable to repay, which will increase your economic burden and affect your personal credit. Therefore, even if you have a card, you should measure your repayment ability and use it reasonably.