What's the use of a student card

Is a student card for students or a card for students?

According to different classification methods, there are the following categories at present:

Student credit cards

Some banks will launch credit cards for students, but because students have no financial resources, the amount given by banks will be lower, generally only 2, to 5, yuan. Students with fixed income can also prepare proof of income and apply for a higher credit limit from the bank. Students can use student cards to establish good credit in the bank first, and then increase the credit limit after leaving the society to become ordinary cardholders.

student bus card

the bus card for primary and secondary school students is a kind of bus card. Considering the frequent attendance of students, it is specially designed for students and cheaper than ordinary bus cards. Generally, it needs to be handled with a student ID card, and it needs annual inspection at the end of each year, otherwise it will be returned to the ordinary bus card for handling.

mobile phone cards for students

such as dynamic zone, story of youth, etc.

Campus Card

After digital construction, many schools have now issued student cards, and all the money is deposited in the student cards, which can be used to pay most or all the expenses on campus. This kind of student card is equivalent to the bank card on campus, and it is often directly related to the student bank card in practice. Because the campus student card is unique to every student, it can be used instead of the student card on campus or in some recognized public places.

Principles of student credit card selection

In foreign markets, student credit card business has matured. The data shows that as early as 22, the proportion of American college students with credit cards was as high as 83%, and now it has grown to 5 universities, with sales income of 2 million yuan, and the average bad debt rate has remained at a very low level. At present, there are 19 million college students in China, and the credit card market for college students has a huge development space. In recent years, the proportion of China mainland college students holding cards has also increased significantly, from 15.1% in 26 to 24% in 27. Many domestic banks have launched student credit cards.

in the face of numerous credit cards, credit cards are neither "the more the better" nor "useless". Students should pay attention to the following aspects when choosing a credit card:

(1) Annual fee. Different types of credit cards have different annual fees and free annual fees in banks. For ordinary students, it is necessary to understand the annual fee regulations before handling credit cards.

(2) credit line. Banks will specify the maximum credit limit when promoting credit cards, but the credit limit of ordinary students will not be very high. Of course, generally speaking, the higher the credit limit, the better.

(3) the convenience of repayment. Choose a bank with many outlets and automatic deposit machines, or handle related accounts, online repayment, inter-bank transfer, convenience store repayment, etc. Banks with more repayment methods are of course more beneficial to cardholders.

(4) installment payment. The rate of each bank is different, so choosing a bank with low handling fee can save a lot of money. For example, a * * * spent 3 yuan. If the repayment is made in 12 installments, one bank charges .5% handling fee for each installment and the other bank charges .72% handling fee for each installment, then the former needs 18 yuan handling fee and the latter needs 259.2 yuan, with a difference of 79.2 yuan.

Advantages and Disadvantages of Credit Card for College Students

The advantages and disadvantages of Credit Card for College Students are as follows: The advantages are mainly to help college students cultivate a correct consumption concept and let them know the importance of personal credit in advance; As for the disadvantages, there is no limit for college students to apply for credit cards, so they must save money before spending, so there is no harm. After all, there is no overdraft consumption.

Of course, college students can apply for a new credit card after graduation, and then the new card will have a credit line.

Application method

Application

In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct financial source can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

review

after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

card issuing

after the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

card opening

because the card is sent by post after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect the applicant and the bank from theft, the credit card has a card opening program before it is officially opened. Card opening is mainly through telephone or internet, etc., to check the relevant personal information provided at the time of application, and complete the card opening procedure after it meets the requirements. At this time, the applicant becomes the card holder, and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

after accepting a credit card, a credit card merchant or bank should review the validity of the credit card and the identity of the cardholder.

can I use a credit card after graduation?

you can continue to use it.

The credit card for college students is a credit card issued by the bank specifically for college students. It has the functions of free remittance from different places, accumulated points for consumption, and discounts for designated merchants. It is a good helper for college students to start credit, get familiar with finance and enrich their lives.

Function

Free remittance in different places: Parents can deposit cash in different places and withdraw money locally without paying any handling fee.

Cumulative points for consumption: when you use a credit card for consumption, you can accumulate points of the corresponding issuing bank, and the points can be exchanged for goods. The specific accumulation rules and convertible goods are different depending on the issuing bank.

establish a credit record: a good credit record is convenient for handling housing loans or other consumer loans in the future.

Pay first and then repay: after spending by credit card, the bank will collect the money after 2-5 days without paying any interest or fees.

Installment shopping: You can apply for credit card installment payment when you buy your favorite computer and other big items, with the term ranging from March to 24 months.

This is the end of the introduction about the use of college students' credit cards and the use of college students' credit cards. Have you found the information you need?