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.

What credit cards can students apply for?

College students can apply for a credit card. As long as 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 school. After all, many banks will have corresponding activities during the semester, so it may be smoother for college students to apply for cards at this time.

Of course, college students have to go to the bank outlets themselves and 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 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 of the cardholder. Naturally, in the face of customers with average repayment ability, such as college students, they usually refuse to approve cards.

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.

Credit card type

According to the different card issuers, it can be divided into bank cards and non-bank cards.

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 they can withdraw cash at any time at the outlets of the issuing bank or at 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 specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal person 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. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

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

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

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

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

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

Quasi-credit card It is a credit card issued by a 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 as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

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

International card. 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 Card and DinersClubCard) are mostly international cards.

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

The easiest credit card for students to use

What are the credit cards suitable for students?

1, ICBC Peony Student Card-According to the application of students' academic qualifications, it generally does not exceed 2,000 yuan, 4,000 yuan for master students and 10000 yuan for doctoral students. Its advantages are: free local cash withdrawal, installment payment for purchased goods, and interest-free period of up to 56 days.

2. Construction Bank Longka University Student Card-determine the loan amount according to individual circumstances. Benefits: goods can be paid in installments; Applicants' requirements: they must apply at the outlet of China Construction Bank, and they must be at least 18 years old.

3. Bank of Communications Y-Power Card

Benefits: The minimum 500 yuan installment withdrawal fee is low, so you can apply directly on the website.

4. China Merchants Bank-Youth Card

Benefits: the application is simple, you can attend the card swiping ceremony (men's grooming package), and you can apply directly online.

Students can't provide proof of work and income and can't guarantee normal repayment. Banks are still cautious about applying for student cards. On the other hand, in order to retain these potential stocks in the future, banks will also issue cards to students as appropriate. Students can apply for loans when necessary, but they should choose the appropriate credit card according to their own needs.

What kind of credit cards can students apply for?

In addition to parents' credit cards, students can also apply for the following credit cards as supplementary cards:

Young card dual-currency credit card is a credit card specially designed for college students. The application method is relatively simple, including your identity information and proof of your assets.

Peony Student Card is a dual-currency credit card product specially designed for college students and graduate students. Those who need key universities directly under the Ministry of Education and above 2 1 1 or those who work in universities can be considered.

Fantasy cards are also a good choice and a credit card for students. It is also necessary to read the certificate and handle the college cadres!

So much for the introduction of what credit cards students can apply for.