Can students apply for a credit card, Zhihu?

Yes, but it is more difficult for students to apply for credit cards because they have no economic income. Generally, banks that can handle debit cards can handle credit cards. According to the relevant regulations of CBRC, banks may not issue credit cards to students under the age of 18, except supplementary cards; Student 18 years old or above, with no job or income source, needs to implement the second repayment person when handling the card, and the second repayment person needs to have certain repayment ability. Students above 18 can apply for a credit card if the above conditions are met. The credit card for college students is a credit card issued by the bank specifically for college students.

Functions of college students' credit cards:

1. Remittance in different places is free: parents can withdraw money locally by depositing cash in different places without paying any handling fee.

2. Cumulative points for consumption: With credit card consumption, you can accumulate points of the corresponding issuing bank, and the points can be exchanged for goods. The specific accumulation rules and convertible goods vary from issuing bank to issuing bank.

3. Establish a credit record: A good credit record is convenient for handling housing loans or other consumer loans in the future.

4. Pay after spending: After spending by credit card, the bank will collect the money after 20~50 days, and will not pay any interest or fees during this period.

5. Installment shopping: You can apply for credit card installment payment when you buy your favorite computer and other big items, and the term ranges from March to 24th. The following banks issue credit cards to students: 1, ICBC Peony Student Card; 2. China Construction Bank Longka University Student Card; 3. Agricultural Bank discount card; 4. China Merchants Bank's permanent card; 5. Bank of China BOC City Card; 6. Guangdong Development Bank ". But we must pay attention to safety, because at this time, some lawless elements will sneak into the school and deceive students. College students have little social experience, so don't believe what liars say, but be fooled by them. Be sure to remember that there is no handling fee for handling credit cards! When handling, you should carefully ask about the annual fee accounting, quota, repayment period, withdrawal fee and other related issues of the credit card.

Can students apply for a credit card?

College students 18 years old or older can apply for a credit card.

Some banks have issued credit cards for college students. The basic requirements are as follows:

1, at least 18 years old.

2. There is nothing wrong with the credit record.

Undergraduates and junior college students are not allowed, but can only apply to be office workers. You must be a freshman, a sophomore and a junior, and you can't graduate immediately. If you are a master or a doctor, you can. You need a student ID card and an ID card.

4. The school meets the standards of bank development. Not all schools can, and some banks will set a standard, such as universities that meet the standards of secondary colleges or above.

After all the above conditions are met, you can apply for a credit card, but you must apply for the corresponding card type. Some banks offer credit cards to college students called campus cards and student cards. The specific name of each bank is different, and there will be tips on it when applying.

Can college students apply for a credit card?

Yes, college students can apply for credit cards. Generally speaking, citizens aged 18 can apply for a credit card at the bank. Handling personnel can apply for a credit card at the bank counter or bank website. It is worth noting that it is still difficult for college students to apply for platinum credit cards, because most college students do not have a fixed source of income, and it is usually difficult for banks to pass the application requirements for such things.

It is also possible for college students to go to bank outlets by themselves, as long as they pay attention to choosing card types 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 general card level, and the application conditions are relatively simple and easy to handle.

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

The application conditions for student credit cards are also relatively simple, as long as the age is up to standard and there is no serious bad credit information. Of course, it should be noted that the credit card limit of students may not be very high. Many people apply for a credit card with a limit of only tens, hundreds or even zero. They must save money before spending, and only after accumulating a good record of using the card can the bank increase the quota.

College students can also apply for credit cards directly online, and the online application procedure is simpler. You can log in to online banking on your computer, or you can log in to mobile banking and credit card app on your mobile phone. Another condition that a credit card application must have is a stable source of income. But for college students, there is basically no source of income and a fixed job, because their job is to study. However, if you are about to graduate and sign an internship contract with an enterprise, the success rate of your application will be greatly improved.

Can students apply for a credit card?

Of course.

Generally speaking, it is not easy for college students to apply for credit cards, but they can do it, such as China Merchants Bank Student Credit Card, China Construction Bank Longka Student Credit Card, WANDA CINEMAS Discount, Agricultural Bank Credit Card, China Bank Taobao Campus Credit Card, and so on. These are all credit cards used by college students, but generally there is no limit, and few of them are less than 5000, because students generally have no income. As for the materials, generally speaking, it is the student ID card and the admission notice. The national regulation is to issue cards carefully to students, but it has not been said that it will not be issued. There is also a general student credit card, which has no quota, but can enjoy the discount of a normal credit card. For example, the campus card of China Bank has no quota, but they can also enjoy points and exchange gifts. The same is true of most other banks, but it is estimated that small banks may have quotas. You can call the customer service of a small bank and ask. Of course, you'd better do your parents' work and let them be your subsidiary company.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and 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 according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Can college students get a credit card?

Hello, this card friend, college students can apply for credit cards, but it should be noted that banking financial institutions will follow the principle of prudence to issue credit cards to students. In other words, the bank will not issue credit cards to students under the age of 18 (except supplementary cards). Moreover, when issuing credit cards to students who have reached the age of 18 and have no fixed jobs and stable income sources, the second repayment source must be implemented, and the second repayment source should have the corresponding repayment ability. Therefore, if you are over 18 years old, behave normally at school and have repayment ability, you can apply for a credit card from the bank. At present, many banks have launched credit cards for college students, such as Agricultural Bank Excellent Card, China Construction Bank Longka Student Card and Minsheng International Student Credit Card. I suggest you try to apply.

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Hello, this card friend, college students can apply for credit cards, because many banks have launched credit cards for college students. But you need to meet the conditions for handling credit cards first, that is, the bank will not handle credit cards for students under the age of 18.

For more information, can college students apply for a credit card? Go to: See more.

Can college students get a credit card?

1, get a student card

Many banks have specially launched credit cards for college students. 18-year-old college students who meet the requirements can apply for student credit cards of various banks directly online, such as the Pudong Youth Campus Card. After passing the examination, you can get the card with your valid ID card and student ID card.

However, this kind of credit card has a feature, that is, before graduation, the credit card quota was blocked. After all, college students don't have a job or repayment ability, so the bank will definitely not trust to give the quota, so they can only store the money in their cards for consumption, enjoy the bank credit card discount 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 3000 to 8000 yuan according to your academic qualifications. After overdraft consumption, parents need to repay on their behalf.

Step 2 get a supplementary card

If the parents of college students have credit cards, they can get a supplementary card. This card shares a quota with the parent's main card. Parents can control the amount of supplementary cards and set transaction limits, which can avoid excessive overdraft of college students.

Step 3 get an ordinary card

Nowadays, many college students have not graduated yet, so they will do it in the summer vacation. Income, but unstable. If you want to apply for a credit card, you can make an appointment to do it at home.

The bank card salesman will provide card service to the internship unit. As long as he doesn't say he is an intern, it's best to fill out the form for more than half a year, and it's ok to get a card.

Extended data:

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. [9]

check

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

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