Many banks have credit cards for college students, such as China Merchants Bank and Shanghai Pudong Development Bank.

However, the credit limit is not high, and some even have 0-limit credit cards.

1. China Merchants Bank YOUNG Card Campus Edition Credit Card

Only for current college students to apply

No limit, no annual fee, points valid forever

The biggest feature is that the quota is sealed during school and can be transferred to the card after graduation to provide quotas based on personal work and income. College students can use appropriate savings to spend and then repay.

Usage guide:

1. There is a card opening gift and a Gillette men’s grooming exclusive set.

2. Accumulate points and redeem gifts on Palm Life.

3. Deposit on your credit card and enjoy no-fee installment discounts when purchasing Apple products at the Apple store. (Suppose a 6,000 yuan Apple mobile phone can be repaid in 24 installments. Each installment is only a few hundred yuan, with no handling fee)

In addition to the YOUNG card campus version, there is also the League of Legends campus card Version cards, Three Kingdoms campus version card, hellokity campus version card, Momo co-branded campus version card, Fantasy Westward Journey campus version card are available.

2. Pudong Development Campus Youth Card Standard Edition

There is a limit, but the limit is not high

There is no annual fee, and there are points for consumption

Use Strategy:

1. After binding WeChat, you can receive red envelopes for online purchases.

2. Pudong Development Zone usually has many activities, so you can pay attention to it.

3. CITIC Baitiao Co-branded Card

It has a credit limit and is suitable for those who frequently spend money on JD.com

Usage Guide:

1 . If you book a flight through designated channels, you will be compensated 1,000 yuan if your flight is delayed for 4 hours.

2. Accumulated consumption points can be exchanged for steel coins. If you spend 800 yuan, you can accumulate one steel coin, and each steel coin can be used to deduct one yuan in cash.

3. Use it to repay the JD.com IOU, avoid repaying the IOU with the savings amount, and then use the credit card interest-free period. During this period, the savings amount can be used for short-term investment.

After comparing the three, Pudong Development Bank’s is relatively better. Although the quota is not high, it is still better than China Merchants Bank’s without a quota.

Of course, you can try to apply for an ordinary credit card (non-college student card), because you have no job and no income now, so the possibility of applying is relatively small. You can also try to "move a brick", that is, go to the bank where you want to apply for a credit card, open an account, deposit more money (preferably in units of tens of thousands), and then apply, which will help to some extent.