For a long time, students, as a pure consumer group without a fixed income, have been rejected by banks from applying for credit cards. Now, in order to cultivate potential high-quality customers, banks have reached out to college students. The "summoning" hand. Financial experts believe that the significance of banks issuing student credit cards is far greater than the credit card business itself. The main purpose of banks is to maintain customer relationships and capture the mainstream consumer groups in the future society. Many banks also said that the main reason why they promote credit cards in universities is to be optimistic about the students' good future prospects. On the other hand, college students have high overall quality, good employment prospects, high entrepreneurial success rate, and relatively good expected income, making them potential high-quality customers for banks. According to relevant surveys, about 30.3% of college students have their own credit cards, and 58% of college students think they need credit card services and hope to hold a credit card. However, banks must consider risk factors when issuing credit cards to college students without income.