I am a student, can I apply for a CITIC Bank credit card? How to apply?

Currently, CITIC Bank Credit Card has launched CITIC Bank Campus I Card for application for undergraduate and above students, with 9,999 cards issued. If you do not meet the requirements, you can also have a family member apply for a CITIC Bank credit card as the main card, and you can apply for an additional card under the name of the family member. The limit range of this credit card seems to be fixed, but recently CITIC Bank credit cards have increased the limit. If you If you want to increase your limit, you can apply for a limit increase by logging into the card space or calling the customer service hotline.

What is the general limit of CITIC student credit card?

There is no fixed standard for student CITIC Bank credit card limit. It depends on the bank's review of personal qualifications. Generally, the student limit is not too high, 2000 -10,000, and there are relatively few that exceed 10,000.

Can students apply for a CITIC Bank credit card? How to apply?

Only those who are over 18 years old and have a fixed monthly income can apply for a credit card with their ID card and income certificate. In principle, students who are under university cannot apply for it. They are over 18 years old. Some schools will cooperate with banks to apply for it. When I was in college, our school was applied for a local city credit card with a limit of 3,000. Most students did not activate it. You can contact the CITIC Bank Credit Card Center to see. Theoretically, you cannot apply.

Is there a credit check on the CITIC Bank campus i-card electronic credit card?

Currently there are not many types of credit cards suitable for students, specifically the following:

1 , ICBC’s “Peony Student Card”: Peony Student Card is a dual-currency credit card product specially designed by ICBC for college students and graduate students. This card can make deposits and withdrawals in other places, and there is no cash handling fee. There are also students who are paying overseas examination fees and can use RMB to purchase foreign exchange for repayment.

2. China Construction Bank’s “Long Card College Student Card”: The Dragon Card College Student Card is a RMB credit card jointly issued by China Construction Bank and UnionPay***. With this card, you can deposit (repay) money into the card and travel in the same city. , deposits (repayments) in other places are free of charge, with no limit on the number of times, meeting the needs of students for their studies and eliminating the cost of fund transfers. There is no annual fee for this card in the first year, and the annual fee for the following year will be waived if you swipe the card three times a year (with no limit on the amount).

3. Agricultural Bank of China's "Youka (Campus Edition)": Youka is an exclusive UnionPay credit card created by Agricultural Bank of China for college students. There is no charge for depositing (repaying) money in the same city or in another place. Cardholders can also enjoy free English, certificate examination, professional quality and other courses on NetEase Cloud Classroom.

4. China Merchants Bank’s “Young Card (Campus Edition)”: China Merchants Young Card (Campus Edition) is an exclusive UnionPay credit card, and it is also a card with a limit of 0. Students can deposit first and then spend. Cardholders can enjoy the preferential consumption privileges of China Merchants Bank’s credit cards, as well as some exclusive campus discounts. Cardholders can also start to accumulate personal credit records while studying, and can switch to a credit card with a higher limit after graduation.

5. CITIC Bank's "I Card (Campus Edition)": CITIC Bank I Card is an exclusive credit card for college students. Cardholders can enjoy 24-hour accidental hospitalization medical insurance services, whether on or off campus. In the event of an accident, there is no need to pay an admission deposit. You can check into the hospital by swiping your card and receive admission insurance up to RMB5,000. Cardholders will earn 1 point for every RMB 1 spent, and double the points for purchases made during the birthday month. With the I-card, you can quickly withdraw cash from ATMs, CDMs, and CDS machines with the UnionPay logo. The handling fee is as low as 1% of the cash withdrawal amount, with a minimum of only 5 yuan. Deposit in another place and withdraw cash locally, which is convenient and affordable.

How to apply for a CITIC Bank student credit card

Application location: 1. Local CITIC Bank branch; 2. Local CITIC Bank Credit Card Center staff; 3. Download the application form from CITIC official website and submit The supporting materials will be mailed to the Shenzhen headquarters.

Application conditions: 1. Be at least 18 years old; 2. Have stable repayment ability.

Submit proof: 1. ID card; 2. Proof of work or income; 3. Work phone number, home phone number and personal mobile phone number; 4. Tax payment certificate or real estate and vehicle in your own name; 5. Other bank credit cards wait. The above information is not necessarily required. It depends on the bank's requirements. Proof of employment or income is very important.

In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit only needs to make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it will be for the bank to issue the card.

Fill out the application form first. If you can fill it out, you will have hope. Then submit the above information and wait for the bank's approval. Whether to approve the card and the card limit will depend on the bank's overall score for you.

This concludes the introduction to CITIC Student Credit Card and CITIC Bank Student Credit Card. Have you found the information you need?