Current location - Plastic Surgery and Aesthetics Network - Plastic surgery and beauty - Can college students apply for a credit card?
Can college students apply for a credit card?
Yes, college students can apply for credit cards. In order to meet the needs of students, banks will now introduce some credit cards for college students to use. However, those who are under the age of 18 and do not have the corresponding repayment ability cannot apply. According to Article 6 of the Notice of China Banking Regulatory Commission on Further Regulating Credit Card Business, banking financial institutions should follow the principle of prudence in issuing credit cards to students. Credit cards (except supplementary cards) shall not be issued to students under the age of 18. When issuing credit cards to students who have reached the age of 18 and have no fixed job or stable income, the second repayment source must be implemented, and the second repayment source should have the corresponding repayment ability. Before issuing a card, a banking financial institution must confirm that the second repayment source has agreed in writing to bear the corresponding repayment responsibility, otherwise it may not issue a card. Banking financial institutions should take the initiative to inform students' parents or other relevant managers of the relevant information about students' application for credit cards.

1. State-owned banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank, and joint-stock banks such as China Merchants Bank, Shanghai Pudong Development Bank and China Guangfa Bank have all launched credit cards for college students.

Take tectonic behavior as an example:

1, well-known universities in China launched the CCB Longka prestigious school card;

2. Barbie beauty credit card and Line Friends model credit card launched for female college students;

3. Dragon Happy Credit Card and Transformers 5 Theme Credit Card for male college students.

Second, how do college students apply for credit cards?

1. Generally, students apply for student credit cards. Because of their limited financial ability, banks generally will not approve them. So, if you can't show your financial proof, you must choose the right day to apply for a credit card.

2. At the beginning of school, or at the same time of large-scale festivals, banks usually do activities for students. At this time, you must remember to seize this opportunity and ask the bank staff in your school carefully.

3. When handling, be sure to ask about the accounting of the annual credit card fee, overdraft amount, repayment period and withdrawal fee.

After filling in your information carefully, the bank staff will copy your ID card, student ID card, etc. Attention, in the next few weeks, you have to wait for the call. If you are lucky, your credit card will be approved. As for the credit limit, it is generally not high, but don't forget that the credit limit can be gradually increased.

When you get a credit card, the bank usually has three ways to give it to you: express delivery, school delivery, and calling you to pick it up at the bank. After receiving the credit card, just open it in the way specified by the bank. Be careful about credit card overdraft.

Third, college students need to pay attention to applying for credit cards:

1. The materials that college students need to submit when applying for a credit card generally need to provide a copy of their ID card, a copy of their student ID card or the original certificate of their department. Some banks may also ask you to show other cards issued by the school.

2. College students' credit cards are all credit cards with UnionPay logo, which can be used on POS machines all over the country without extra charge.

3. Credit limit of college students' credit card After using the college students' credit card for six months, you can apply to the bank to increase the credit limit. The bank will comprehensively consider the use of credit cards and other factors to evaluate the comprehensive credit of cardholders. The number of applications from pure college students is relatively low. If only college students or graduate students apply for credit cards, the success rate will be around 50%, and the quota will be relatively low, generally not exceeding 3,000 yuan. Some banks only approve 500 yuan cards, or even lower.