Students can only apply for a credit card if they are over 18 years old.
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 students apply for a credit card?
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?
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 students apply for a credit card? Let's stop here.