What kinds of credit cards can students apply for

At present, there are not many types of credit cards suitable for students, including the following:

1. ICBC's Peony Student Card:

Peony Student Card is a dual-currency credit card product specially made by China Industrial and Commercial Bank for college students and graduate students. This card can be used to deposit and withdraw money in different places, and there is no cash handling fee. There are also students who are paying overseas examination fees and can purchase foreign exchange in RMB for repayment.

2. China Construction Bank's "Longka University Student Card":

Longka University Student Card is a RMB credit card issued by China Construction Bank and UnionPay * * *. This card can only be used to deposit (repay) money into the card, and all deposits (repayments) in the same city and different places can be enjoyed free of charge, unlimited times, which meets the needs of students for study and saves the cost of fund transfer. This card is free of annual fee in the first year, and the annual fee for the next year is free if you spend it three times a year (the amount is not limited).

3. "Youcard (Campus Edition)" of Agricultural Bank of China:

Youcard is an exclusive UnionPay credit card created by Agricultural Bank of China for college students, and there is no charge for depositing (returning) money in the same city or in different places. Cardholders can also enjoy the English, certificate examination, professional quality and other courses above Netease Cloud Class for free.

4. China Merchants Bank's "Young Card (Campus Edition)":

China Merchants Young Card (Campus Edition) is an exclusive UnionPay credit card, and it is also a card with a limit of . Students can deposit before spending, cardholders can enjoy the preferential rights of China Merchants Bank credit card consumption, and there are some campus-specific privileges. Cardholders can also accumulate personal credit records from the time of study, and they can be converted into higher credit cards after graduation.

5. CITIC Bank's "I Card (Campus Edition)":

CITIC Bank's I Card is a student-specific credit card, and the cardholder can enjoy 24-hour medical insurance service for accidental hospitalization. In case of an accident, whether on campus or off campus, he can stay in the hospital without paying the hospitalization deposit, and he can get the hospitalization insurance of up to RMB5,. Cardholders will get 1 point for spending 1 yuan, and double points for spending in the month of birthday. I-card holders can quickly withdraw cash from ATM, CDM and CDS machines with UnionPay logo. The handling fee is as low as 1% of the cash withdrawal amount, and the minimum is only 5 yuan RMB. It is convenient and affordable to withdraw cash locally from deposits in different places.

What credit cards can students get

College students can get credit cards. As long as you are over 18 years old, you can apply for a credit card at the bank. If college students want to apply for a credit card, it is suggested that they can do it during the school year. After all, many banks will have corresponding activities during the school year, so it may be more smooth for college students to apply for a card at this time.

Of course, college students can go to the bank outlets themselves, just pay attention to choosing the card type according to their own needs. For example, you can choose to apply for a card designed for young people, because most of these cards are of the general card level, and the application conditions are relatively simple and easy to apply for.

it will be very difficult to apply for a platinum credit card. After all, college students have no formal jobs, so there is no stable source of economic income. Platinum card, a high-grade card, has high requirements for the cardholder's economic and financial resources. Naturally, in the face of customers with average repayment ability such as college students, they usually refuse to approve the card.

and college students can also APPly for credit cards directly online. The online application procedure is simpler. You can log in to online banking on your computer or mobile banking and credit card app on your mobile phone.

credit card types

according to different card issuers, it can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards

credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.

quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.

according to the different circulation scope of credit cards, they can be divided into international cards and regional cards

international cards. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.

area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.

What kind of credit card can college students apply for?

If college students want to apply for a credit card, it is generally not recommended to apply for a high-grade platinum card with high application threshold and strict requirements on the applicant's economic income level, while ordinary cards and gold cards with lower application threshold are more suitable.

unless the family is very rich, has a lot of assets in their own name, and the economic level is really high, then it is no problem to apply for a platinum card.

Of course, most people still suggest that it is better to apply for a general card first. Everyone needs to pay attention. In fact, many banks have campus credit cards specifically for college students and youth credit cards for young people. For example, YOUNG Card of China Merchants Bank (Youth Edition), Y-POWER Card of Bank of Communications (Campus Edition), JOY Card of China Construction Bank (Student Edition), etc. You can also choose this kind of card to apply.

However, the initial credit card limit is not high, and some campus cards may have zero initial credit limit. However, you don't have to worry too much. The card quota is not static. As long as you pay more attention to accumulating good credit later, the bank will naturally increase the quota.

Extended information:

Can college students open credit cards?

college students can apply for credit cards, as long as they are over 18 years old and have full capacity for civil conduct. Many banks have also launched exclusive credit cards specifically for college students, such as JOY Card of China Construction Bank (student version), Y-POWER Card of Bank of Communications (campus version) and YOUNG Card of China Merchants Bank (campus version).

Of course, the applicant must have good credit. If the credit is not good, the bank will naturally refuse to approve the card once it finds that the applicant has credit problems during the examination and approval.

and we need to pay attention to the fact that most college students don't have a stable income, so the credit card limit is generally not high, and some offer zero initial limit, so they need to save money before spending. Only when the student's family is rich and has a lot of assets in his name can he get a high credit card.

However, if college students are under 18 years old, they can't apply for a credit card master card naturally. It is recommended to wait until they are 18 years old before trying to apply. Or if your parents have a credit card, you can also apply for a supplementary card of your parents' credit card first.

the easiest credit card for students

the easiest credit card for students?

There are many credit cards that students can handle easily, such as:

1. young Card of China Merchants Bank (Campus Edition):

As long as they are students aged between 18 and 3 and have never applied for a personal credit card master card of China Merchants Bank before, they can apply through the official website Campus Edition Zone of China Merchants Bank.

2. y-power Card of Bank of Communications (Campus Edition):

As long as the students are between the ages of 18 and 35, they can apply for it if they are college, undergraduate, graduate or above.

3. Shanghai Pudong Development Bank's Youth Campus Card:

Students who are over 18 years old and under 4 years old and have full-time college education or above can apply for it.

4. Longka University Student Card of China Construction Bank:

As long as you are at least 18 years old and your institution belongs to the range of universities with cooperative card issuance by China Construction Bank, you can choose to apply. Customers can log in to China Construction Bank Mobile Banking, and select the "Students" category in the card category "All Products Series" on the credit card application page to view student credit cards.

5. ICBC Peony Student Card:

Full-time college students (including undergraduates, master students and doctoral students) who have reached the age of 18 (inclusive) can apply for it if their institution is located in the card issuing institution.

how to reissue the lost credit card?

1. report the loss: first of all, you need to report the loss of a credit card. Call the customer service hotline of the issuing bank and ask the customer service to report the loss. They will ask us to provide the ID number and name for verification.

2. reissue: after we report the loss successfully, we can go to the nearby business outlets of the issuing bank to apply for reissue procedures. To fill in the application for loss reporting, check my identity documents, and pay the loss reporting fee and the loss reporting replacement card fee.

3. get the card: after the business card printing is successful, we can choose to pick it up at the outlets, or we can explain in advance that we will get the card by mail.

4. activation: the reissued credit card also needs to be activated before it can be used, and the transaction password and inquiry password need to be reset. After the new card is activated, it will inherit the transaction record of the original card. Usually, the billing date and repayment date will not change, so it can be used normally.

What credit cards can students apply for?

Some banks offer exclusive credit cards for Young people, such as ICBC Peony Student Card, China Construction Bank Longka College Student Card, Agricultural Bank Premium Card (Campus Edition), China Merchants Bank Young Card (Campus Edition) and so on. If students can't provide proof of work and income, and can't guarantee normal repayment, the bank will still be cautious about the student's card application, but it will also issue cards to students as appropriate.

Students can apply for the following credit cards in addition to their parents' credit cards as supplementary cards:

1. Young Card Dual-currency Credit Card is a credit card specifically for college students, and the application method is relatively simple, with your identity information and proof of your assets.

2. Peony Student Card is a dual-currency credit card product specially designed for college students and graduate students. Those who need more than 211 key universities directly under the Ministry of Education, or have jobs in colleges and universities, can be considered.

3. Fantasy card is also a good choice. It is also a credit card for students. It also requires proof of study and can be handled by university cadres.

: Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs. Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

Let's stop here for the introduction of what credit cards are suitable for students.