Can fresh graduates apply for a credit card?

For every college student now, in fact, when we just graduated, a serious problem we faced was finding a job, and now it is very difficult for many college students to find a job after graduation. Universal. Some people may have doubts like, can fresh graduates apply for credit cards? As for the answer to this question, in my personal opinion, I think this is certainly possible, but don’t do too much. Let’s take a closer look below.

1 Of course

Now for every fresh graduate, their demand for bank cards is actually very large, so in my personal opinion, I think that fresh graduates Of course, graduates can apply for a credit card. We only need to provide relevant personal documents and our personal information, but make sure not to make mistakes when filling it out. Generally before applying for a credit card, we need to go through a card application. And it can only be done after passing the review.

2 Don’t do too many things

I believe everyone has a certain understanding of credit cards. We all know that the functions in them are very powerful, and they can also solve problems. many things in our real life. But for fresh graduates, my suggestion is not to apply for too many credit cards, because credit cards themselves are a way to overdraw future income, or sometimes we can use this credit card to apply for loans and the like. , so the bank will give us an illusion, that is to say, our consumption power can be improved to a certain extent, but we will definitely have to repay the loan in the future.

So we should pay more attention to this issue in our daily lives. For everyone, it is of certain benefit to us to understand this issue. . Moreover, we are now a legal society. If we often fail to repay interest when taking out loans, or deliberately default on loans, then we are likely to be included in the credit report list.

How should fresh college graduates get a credit card?

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a contract for the use of the credit card.

The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement on the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

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 settlement after shopping, consumption and cash withdrawal.

Extended information

According to the notice on the issuance of the "Credit Card Business Management Measures":

Article 33: All transactions within the territory of the People's Republic of China Units that open basic deposit accounts at financial institutions can apply for unit cards. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There must be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35 All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.

Article 36 Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or lend the account.

Article 37 After the cardholder has paid off the principal and interest of the overdraft, the cardholder can cancel the account if it falls into one of the following circumstances:

(1) 45 days after the expiration of the credit card validity period, the cardholder shall The person does not replace the new card;

(2) After 45 days of reporting the loss of the credit card, the credit card does not have an additional card and does not replace the new card;

(3) The credit card is not good and is included in the Stop payment list, the card-issuing bank has withdrawn the credit card for 45 days;

(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;

(5) ) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has not had any transactions for more than two years (inclusive);

(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.

Article 38 The card-issuing bank shall take back the credit card when canceling the account. If a valid card cannot be recovered, payment should be stopped.

When canceling the account, the balance of the corporate card account will be transferred to the basic deposit account, and no cash withdrawal is allowed.

Article 39 If a credit card is lost or stolen, the cardholder should immediately apply for a loss report to the nearest card-issuing bank or agency bank with his or her ID card or other valid certificate, and provide relevant information as required. Loss reporting procedures.

Article 40 If the cardholder finds his or her credit card after applying for a loss report, he or she may apply to cancel the loss report and stop payment.

Baidu Encyclopedia - Credit Card

What credit cards are suitable for fresh college graduates?

With the rapid development of modern economy and finance, credit cards and various types of Internet have also become popular. For young people who have just graduated and entered society, there are many places to spend money. Because they don’t want to keep asking their parents for money and become an old man, many recent college graduates choose to apply for a credit card.

As a way to consume in advance, the editor believes that if used reasonably and moderately, the advantages outweigh the disadvantages, and it can also cultivate the basic concepts of economic and financial management as early as possible. However, when it comes to the choice of such credit cards, because of the wide variety of banks, many friends have difficulties and do not know which one is suitable for them. So, today I will briefly talk to you about which credit cards are suitable. What about recent graduates?

The most commonly used credit cards are China Merchants Bank, Bank of Communications, Bank of China, China Construction Bank, etc. Since all medium and large banks have now launched their own credit cards, the types are indeed very diverse. According to the editor’s experience, the most recommended credit cards are the credit cards of the two major banks, both of which are very suitable for fresh graduates.

Young Credit Card of China Merchants Bank

I believe that friends who have a certain understanding of banks know that China Merchants Bank’s credit card has the largest number of users and the highest market share. It makes sense that it is used and recommended by so many people, because its financial system and various systems are very mature and friendly. Based on this point alone, friends can directly choose the credit card of China Merchants Bank without stepping into any trap. In addition, China Merchants Bank's YOUNG card is a credit card with the lowest application threshold of China Merchants Bank. It is very suitable for fresh graduates and eliminates the very cumbersome application process. Moreover, it cooperates with many merchants to offer many discounts and discounts, so young consumers can also save a lot of money.

Bank of Communications Y-Power Credit Card

Needless to say, Bank of Communications is one of the major state-owned banks with a strong background.

Its Y-Power credit card is also specially designed for young people, especially fresh graduates. The application process is very simple and does not require troublesome supporting documents. It is worth mentioning that Bank of Communications has a relatively high credit limit and is very convenient. There are also discounts every Friday, which is very suitable for fresh graduates.

I hope this answer can help friends in need! However, you must pay attention to avoid excessive overdraft, which will affect your personal credit report. Remember to consume in moderation and within your means

This is the end of the introduction to credit cards for fresh graduates and credit card recommendations for fresh graduates. I don’t know. Did you find the information you needed?