Can I get a credit card if I haven't graduated from college? Try these methods.
The cost of college is also relatively high. Many students only have the living expenses given by their parents, and many of them are not enough, so they want to get a credit card. The credit card application, in addition to reaching the age of 18, must have a stable job and income. If you don't graduate from college, you only meet the age standard, but you have no income. If you want to apply for a credit card, you have to master the methods. can I get a credit card if I haven't graduated from college? Yes, there are three ways to try. 1. Getting a Student Card Many banks have set up exclusive credit cards for college students. College students who are 18 years old or above and meet the academic requirements can apply for student credit cards of various banks directly online, such as China Merchants Bank's young Card Campus Card and Pudong Youth Campus Card. After approval, they can get off the card with their valid identity documents and student ID cards. However, this kind of credit card has a characteristic, that is, before graduation, the credit card quota is sealed up. After all, college students have no job and do not have the repayment ability, so the bank will definitely not trust to give the quota, so they can only save money in the card for consumption, enjoy bank credit card concessions and establish credit in advance. If you want the bank to give you a line, you need your parents to provide a second source of repayment as a guarantee. You can get a line ranging from 3 to 8 yuan according to your education. After overdraft consumption, you need your parents to repay it on your behalf. 2. If parents of college students have credit cards, they can get a supplementary card, which shares a quota with their parents' main card. Parents can control the quota of the supplementary card and set a transaction limit, which can avoid excessive overdraft of college students. It should be noted that the supplementary card is under the name of the main cardholder, and the consumption generated will be repaid by the main cardholder, otherwise the credit of the main cardholder will be affected if it is overdue. 3, do ordinary cards Now many college students have not graduated, they will use the summer vacation to do part-time jobs, which is considered income, but it is not stable. If you want to do a credit card, you can make an appointment to do it at home. The bank card clerk will provide card service to the internship unit. As long as he does not say that he is an intern, it is best to fill in the form for more than half a year, and it is also possible to get a card. The choice of card type can be general card or gold card, but there will be certain risks. Once exposed, the card will be rejected and may even be blacklisted.