Can students apply for a credit card?

Students can apply for a credit card. They 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. Be at least 18 years old.

2. There is no problem with your credit record.

3. University undergraduates and junior college students are not allowed. They can only apply as office workers. You must be a freshman, sophomore, or junior, and you are not allowed to graduate soon. It is also acceptable if you are studying for a master's degree or a doctoral degree. Student ID card and ID card are required.

4. The school meets the standards developed by banks. Not all schools are eligible. 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, you can apply for a credit card. However, 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 a prompt above.

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?

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.

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