When students can't provide proof of work and income, and can't guarantee normal repayment, the bank will still be very strict in reviewing students' cards, so it will issue cards to students as appropriate. Some banks have launched exclusive credit cards for young people, such as Peony Student Card of ICBC, Longka Student Card of China Construction Bank, Youka Card of Agricultural Bank (Campus Edition) and CITIC White Card of China Merchants Bank.
ICBC Peony Student Card. The application condition is that the applicant must be at least 18 years old and have full capacity for civil conduct. The first contact person must be a parent or spouse, and go to the outlet with ID card and student ID card. Online application is not supported. And you must have a certain deposit in ICBC or your parents as a source of repayment as a guarantee. The credit line is RMB 0/000 for master and RMB 2,000 for doctor from 500 yuan. The longest interest-free repayment period is 56 days, which can be paid off in 3-24 months. Peony Student Card is an international credit card product specially designed by China Industrial and Commercial Bank for college students and graduate students. The annual fee is free in the first year, and the annual fee for the next year can be reduced if the cardholder spends three times or spends more than 3000 yuan. Moreover, ICBC will also provide credit reports for students with good credit records.
China Construction Bank Longka Student Card. As long as/kloc-full-time undergraduate students over 0/8 years old can apply for the credit card of CCB students, remember to bring a copy of ID card and student ID card, and relevant application materials are required to apply for the card, which should be filled in and submitted by parents or relatives. The credit line is RMB 1000 for undergraduate, RMB 3,000-5,000 for master and RMB 5,000 for doctor. The longest interest-free period is 50 days, and it can be repaid in 3- 12 months.
Excellent card of Agricultural Bank of China. The second card is free of guarantor and deposit. You only need to provide a student ID card (freshmen who have not received a student ID card can change it with the admission notice) and a copy of the ID card to apply for a card, and you can enjoy the discount of sending points by swiping the card. The credit line is generally in 500 yuan, with a maximum of 2,000 yuan. Provide an interest-free repayment period of up to 56 days, and do not provide installment repayment service at present.
CITIC White Card. The characteristic function of CITIC White Card is to cooperate with JD.COM White Card, which can cultivate personal credit records for the student party during its school days. Moreover, CITIC White Card can provide cardholders with an interest-free period of more than 80 days, and JD.COM White Card can also enjoy an interest-free period of 30 days. Cardholders are exempt from the annual fee for the first year if they swipe their cards or withdraw cash once, and the annual fee for the next year if they swipe their cards or withdraw cash five times.