How do students apply for a credit card?

The most common way for college students to apply for a credit card is to apply for a credit card directly through the clerk who comes to the bank to apply for a credit card.

Introduction

(1) Generally, the credit card limit that college students can apply for for the first time is around a few hundred yuan. Most banks have developed special credit cards for college students based on their special status. For example, Agricultural Bank of China U, ICBC Peony Card, China Merchants Bank YOUNG Card, CITIC College Student I Card, etc. are all credit cards specially designed for college students.

(2) The credit card limit that college students can apply for for the first time is around a few hundred yuan. Most banks have developed special credit cards for college students based on their special status. For example, Agricultural Bank of China U, ICBC Peony Card, China Merchants Bank YOUNG Card, CITIC Bank College Student I Card, etc. are all credit cards specially designed for college students.

(3) In terms of application method, the most common way for college students to apply for a credit card is to apply for a credit card directly through the clerk who comes to the bank to apply for a credit card. This method of applying for a card is more convenient and often comes with certain discounts for applying for a card, such as bonus points or small gifts.

(4) Secondly, you can apply through the online port. After meeting the conditions and passing the bank review, the bank will have a salesperson to contact the applicant directly; finally, the applicant can also go directly to the bank for consultation. After the conditions are reviewed, the credit card will be sent directly to the applying student by mail.

How do college students apply for a credit card?

It is difficult for college students to apply for a credit card because they do not have a job. After all, when applying for a credit card, the applicant needs to have a stable source of income and proof of employment. , these are things that college students do not have. Therefore, the probability of college students applying for a credit card to be approved is very low.

1. However, many banks now launch some special card types for college students. You can call the bank to inquire to see if you meet the requirements. Nowadays, the international student credit card launched by China Guangfa Bank, the college student credit card launched by China Construction Bank, and the Agricultural Bank of China’s Excellent Card are all suitable for college students to apply for.

2. College students must be over 18 years old when applying for a credit card. They are generally full-time undergraduate students or above. They must submit a copy of their ID card and student ID card when applying; they must be approved by the bank. You can get a credit card in the future and try another bank if it is declined.

3. You can use the credit card after you apply for it and activate it. However, since college students have no financial resources, you must control your desires when swiping the card for consumption, and do not exceed your affordability to prevent you from not being able to repay on time later. This is something everyone needs to pay attention to.

1. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's 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 designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards where the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit cards A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.

How do college students apply for a Bank of China credit card?

You can complete the credit card application online through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, and the official website of Bank of China (). If there is a Bank of China branch near you, you can also bring your ID card and other valid documents, as well as proof of financial resources, income proof, etc., to the Bank of China branch to fill out the application form to apply.

The above content is for your reference, please refer to actual business regulations.

I would like to ask college students how to apply for a credit card

According to the central bank’s policy, college students cannot apply for credit cards. Thus, the student credit card with Chinese characteristics was born. The biggest difference between a student credit card and a credit card is that there is no limit, and other benefits are related to the relevant bank.

Credit cards that college students can apply for: Shanghai Pudong Development Bank Campus Youth Card, China Merchants Bank Young Card, and China Construction Bank College Student Dragon Card.

Take the China Merchants Bank young student card as an example: There are two ways to apply, the first is to apply online, and the second is to apply through the WeChat official account. According to experience, the response from the official website is not as fast as that from WeChat. Add the China Merchants Bank credit card official account, select the card application, card type, and fill in the information. Special instructions when filling in information, for the sake of personal information security, please fill it in truthfully. After completing the filling, wait for the card to be issued. Generally, you will go to the bank for an interview within 3 days. After the interview, wait for the card to be sent. Once you get the credit card, you can open it and use it. To sum up: Pudong Development Bank’s card is still a magnetic stripe card, while China Merchants Bank’s is an IC chip card. In terms of workmanship, CMB Bank is obviously better, and it is clear at a glance when you get it.