Students have no fixed income and there are restrictions on applying for credit cards. You can choose to apply for a student-specific credit card or a supplementary card to your parents' credit card. To apply for a student credit card, you need to provide a student ID card and student certification materials issued by the school before you can apply. For supplementary cards, as long as the main cardholder applies, the main cardholder and the supplementary card applicant must go to the counter.

The specific choice of which credit card to apply for depends on the needs of users. If it is used for overdraft consumption, it is more appropriate to apply for a supplementary card.

Extended data:

Credit card application:

If a customer wants to apply for a credit card, he can directly bring personal ID card and income proof (such as bank running water and payroll) and other relevant information to the counter of the offline business outlet of the selected bank, ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then wait patiently for the bank to review.

After the bank's approval is completed, it will naturally send a message to inform the customer. If approved, it will make a card for the customer and then mail the prepared card to the customer. Customers can activate the card and use it after receiving it.

Of course, in addition to applying at the outlets, customers can also apply directly at the bank official website, the mobile banking client or the credit card app. However, it should be noted that if you apply for a bank's credit card online for the first time, you may have to go to the bank for an interview afterwards.

Customers should pay attention to keep the phone open after submitting their card application, because some banks may call to ask customers some relevant information during the audit. In this regard, if you don't receive the call in time, it may have a certain impact on the card approval.

Credit card withdrawal:

When applying for a credit card, the bank will approve the amount according to the applicant's comprehensive qualifications, and the credit card can also be used to raise the amount. The method is as follows:

First, more credit card spending.

If you want to increase the credit card limit, you should spend more by credit card. If you can swipe your card, try to swipe it. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe your card about 20 times a month. Merchants who swipe their cards should also be diversified.

Second, properly handle the staging.

Appropriate installment is beneficial to credit card withdrawal, but it is best not to be too long, 3 to 6 installments are enough, and the installment amount is not too large. For example, it is very appropriate to apply for installment after spending on some holidays, and the success rate of withdrawal is also high.

Third, make a good record of using the card.

If you want to return the credit card, a good credit card record is essential, because there is no way to return the credit card because there is a bad record on the credit information, so you must repay it on time to avoid illegal operations such as overdue and cash withdrawal.