I think you should try not to use credit cards, because credit cards are almost the same as loans and are relatively risky for students. Students who are new to the world should be careful of credit traps

I originally bought Fengqile because I wanted to buy it. At that time, Fengqile promised that if you borrow 1,000 yuan, you can borrow it for free for one month, and you only need to pay back 1,000 yuan when it expires. There is no handling fee for borrowing or repaying the money. I thought that if I took out 1,000 yuan and put it in Yu'e Bao for a month, I would still be able to earn a few yuan, so that's what I did. Then I discovered two problems: first, you can only borrow 1,000 yuan for free for the first few times, and the amount you can borrow for free from now on is only a few hundred yuan, and interest will be charged for the excess; second, to activate this function, you need to contact a local agent. I took a photo of my ID card and the front and back of my ID card. I thought I was doing this just to control the risk, but not long after I checked my credit report, I found that a small loan of 100 yuan was on the credit report, even though it had been paid off. , but it still scared me into a cold sweat. After that, I quickly paid off all the loans and uninstalled Fenqile.

Fengqile’s approach is legal and compliant but not very authentic. However, the operations of some platforms are even more outrageous. I saw answers from other friends before, saying that some platforms will have various network problems before your loan expires. Even if you want to repay the loan, you will be unable to pay it back. Once the maturity date passes, high late payment fees and interest will accrue. You want to complain, but you find that the loan contract clearly states that "our company will not be responsible for failure to repay due to network problems." This is pure malicious bullying of the lender. This kind of coquettish operation is unimaginable for most college students, and there is nothing worse than this in human nature. Therefore, even if you want to use consumer loans, please avoid unknown small platforms and choose formal large platforms, such as Ant Huabei, etc. Second, use Huabei less and use credit cards more. As long as you repay your bills on time, Huabei and credit card consumption will not have an impact on your personal credit score. But Huabei spends money, and the benefits have no other effect except improving Sesame. I basically spent all my expenses on Huabei during my sophomore year. I didn’t use it anymore after I made a few credit card purchases and waived the annual fee. Despite this, my Zhima score has increased to more than 760 points in the past year, but my Huabei quota has not increased by one point, and there is no sign of using credit in the credit report. No matter how high Alipay's sesame score is, its thin wool is negligible and not as useful as a diamond membership. But if you want to be promoted to a diamond membership, you must make real purchases. It is difficult for an ordinary college student to reach the diamond membership threshold with his total annual consumption. Therefore, the function of Huabei is really useless and tasteless.

Some people may ask, if this is the case, why is it so much more difficult for college students to apply for a credit card than an online loan? Funny to say, the state does this precisely to protect college students. Before the rise of campus loans, some vain students applied for credit cards and made high-end purchases. As a result, their credit scores were ruined without paying for them. The parents of these naughty children became anxious and ran to the bank. Accusing banks of being irresponsible by issuing credit cards to students and ruining their credit scores and futures, credit cards for college students have been tightened. Unexpectedly, a combination of circumstances led to the rise of campus loans. People who deal with campus loans are not as reasonable as banks. They broke up the address book and made naked loans.

So in recent years, while the country has vigorously cracked down on campus loans, it has also slowly opened up credit cards for college students. Now you can still apply for a credit card.