First of all, it depends on the brand of the card you apply for. Nowadays, credit card approval is not as loose as it was two years ago. The amount is slightly lower, it depends on which university you go to. According to current experience, the credit limit for college students is 3,000-10,000

1: It usually takes about 45 working days from application to approval, with a maximum of 15 working days. Holidays are not included in the working days

2: You can withdraw and use it immediately after applying for use. The withdrawal limit is 50% of the total limit, which is half. (China Merchants Bank has a credit card cash advance service. You can request it from the bank's customer center. In this way, your handling fee will be only 1, which is a lot less interest. China Merchants Bank is exclusive, and the limit is specified by the system, which is usually 50)

3: There is a minimum payment amount on the last repayment day every month, which is usually 10% of the consumption amount. This is not fixed. It depends on your bill. It is clearly written on it. There are 20-56 days for consumption. Interest-free period (

For example: the bill date is the 10th, the repayment date is the 5th, and you consume on January 9th, then your interest-free period is 25 days, because you need to pay on February 5th. Repayment, if you consume on January 11th, it will be 56 days, because you only repay on March 5th).

If you repay in full (pay back as much as you consume), there will be no interest during the interest-free period, and you can use it repeatedly.

If you pay the minimum repayment (as mentioned earlier, it is on the bill, usually 10) the interest is 0.05% of your consumption amount (in full) from the date of consumption, 10,000 per day. Five dollars a day until you pay it back in full.

If you are not overdue (not even the minimum repayment), the interest is a late payment fee of 5/10,000. The late payment fee is calculated once a month and is also calculated based on the full amount. And it will cycle every month until you pay the minimum payment.

4: If you are applying as a college student, you will need your ID card and student ID card, as well as some family information. Now you have to call your home because the review process is now more complicated. I am strict, but sometimes I don’t call. I am not sure about this, and now I usually call my immediate family members to confirm, but I still can’t confirm. This is a review task and is not guaranteed. But if you want to apply successfully, it is best to fill in the real information. . But if you want to avoid trouble in the future, I suggest you don’t add the real one in your hometown. You can fill in one on your mobile phone and ask someone to pick it up, haha. (It is a bad move, if it is not necessary, it is recommended not to use it. Integrity is the basis)

It should be more detailed. If you don’t understand anything, you can send it to me, haha. . . Wish you success!