I'm glad to answer your question. After entering the university, the school will handle a unified bank card for you, but it is usually a debit card. If you need living expenses, you can directly ask your parents to transfer money to this bank card. Credit cards can be overdrawn, and college students have no repayment ability. It is best not to apply for credit cards at will. However, you can apply for a supplementary card with your parents' credit card, so that if you spend money with the supplementary card, it will be deducted from your parents' card, and your parents can supervise your money consumption to a certain extent, which is more secure.