College students can apply for a credit card, as long as 18 is over one year old and has full capacity for civil conduct. Many banks have also launched exclusive credit cards for college students, such as JOY Card of China Construction Bank (student version), Y-POWER Card of Bank of Communications (campus version) and YOUNG Card of China Merchants Bank (campus version).

Of course, the applicant must have good credit. If the credit is not good, once the bank finds that the applicant has credit problems during the examination and approval, it will naturally not approve the card.

It should be noted that most college students have no stable income, so the credit card limit is generally not high, and some offer zero initial limit, so they need to save money before spending. Only when students' families are rich and have a lot of assets under their names can they get high credit cards.

However, if college students are under 18 years old, they naturally cannot apply for a credit card master card. It is suggested to wait until they are 18 years old or older before trying to apply. Or parents have a credit card, you can also apply for a supplementary card to your parents' credit card first.

College students can apply for a credit card, as long as 18 is over one year old and has full capacity for civil conduct. Many banks have also launched exclusive credit cards for college students, such as JOY Card of China Construction Bank (student version), Y-POWER Card of Bank of Communications (campus version) and YOUNG Card of China Merchants Bank (campus version).

Of course, the applicant must have good credit. If the credit is not good, once the bank finds that the applicant has credit problems during the examination and approval, it will naturally not approve the card.

It should be noted that most college students have no stable income, so the credit card limit is generally not high, and some offer zero initial limit, so they need to save money before spending. Only when students' families are rich and have a lot of assets under their names can they get high credit cards.

However, if college students are under 18 years old, they naturally cannot apply for a credit card master card. It is suggested to wait until they are 18 years old or older before trying to apply. Or parents have a credit card, you can also apply for a supplementary card to your parents' credit card first. ?

In loans overdue, whether the credit card can still be used normally depends on the specific situation:

If loans overdue operates on a loan platform that is not connected to the central bank's credit information system, the overdue situation will usually only be reported in big data, not in the personal credit information report. Credit cards are related to credit investigation, not big data, so this kind of loans overdue will generally not affect the normal use of credit cards.

If loans overdue is held in a bank or a licensed consumer financial institution connected to the central bank's credit information system, if the overdue circumstances are not serious, the overdue time is not long and it is paid off quickly, and the repayment has been made on time before, this situation will not have much impact on the use of credit cards. Although there will still be overdue records on the credit report, it is unlikely that the bank will directly freeze the card.

However, if the overdue circumstances are serious, the overdue time is long, and the overdue amount is large, even if it has been overdue before, it will inevitably lead to serious damage to the credit information, which will indirectly affect the credit card. The issuing bank is likely to reduce the credit card or directly freeze the credit limit.

If it is not because of overdue illegal households, then we should look for other reasons, such as whether the frequency of applying for online loans is too high. If you don't know, you can look it up on Winnie Hsin. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.

Extended data:

What credit card can college students apply for?

If college students want to apply for a credit card, it is generally not recommended to apply for a high-grade platinum card with high application threshold and strict requirements on the applicant's economic income level, but ordinary cards and gold cards with lower application threshold are more suitable.

Unless the family is very rich, has a lot of assets under its name, and the economic level is really high, it is no problem to apply for a platinum card.

Of course, most people still suggest to apply for a universal card first. Everyone needs to pay attention. In fact, many banks have campus credit cards for college students and youth credit cards for young people. For example, YOUNG Card of China Merchants Bank (Youth Edition), Y-POWER Card of Bank of Communications (Campus Edition) and JOY Card of China Construction Bank (Student Edition). You can also choose this card to apply.

However, the initial credit card limit is not high, and some campus cards may have zero initial credit limit. However, you don't have to worry too much. The card quota is not fixed. As long as you pay more attention to accumulating good credit later, the bank will naturally increase the quota.

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 for 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.

Can students apply for a credit card?

Students can apply for a credit card. As long as you are 18 years old, you can go to various banks to get a card. Many banks have also launched student-specific credit cards, such as Y-POWER Credit Card Campus Edition of Bank of Communications, YOUNG Credit Card Campus Edition of China Merchants Bank, and Longka JOY Credit Card Student Edition of China Construction Bank.

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.

If the parents of students have a credit card, they can also directly apply for a supplementary card of the parents' credit card to use it. The application conditions of the secondary card are not as strict as those of the primary card. Generally, they are over 13 and 14 years old, and they are immediate family members of the host card holder, so they can apply. Moreover, the bill of the secondary card is also included in the bill of the main card, and the cardholder of the main card is responsible for repayment.

Functions of college students' credit cards:

1. Remittance in different places is free: parents can use++to deposit cash in different places and withdraw money locally 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.

What credit card can college students apply for?

ICBC Peony Student Card, CCB Longka Student Card, ABC Discount Card, CITIC White Card, etc.

When students can't provide proof of work and income, and can't guarantee normal repayment, the bank will still be very strict in reviewing students' cards, so it will issue cards to students as appropriate. Some banks have launched exclusive credit cards for young people, such as Peony Student Card of ICBC, Longka Student Card of China Construction Bank, Youka Card of Agricultural Bank (Campus Edition) and CITIC White Card of China Merchants Bank.

ICBC Peony Student Card. The application condition is that the applicant must be at least 18 years old and have full capacity for civil conduct. The first contact person must be a parent or spouse, and go to the outlet with ID card and student ID card. Online application is not supported. And you must have a certain deposit in ICBC or your parents as a source of repayment as a guarantee. The credit line is RMB 0/000 for master and RMB 2,000 for doctor from 500 yuan. The longest interest-free repayment period is 56 days, which can be paid off in 3-24 months. Peony Student Card is an international credit card product specially designed by China Industrial and Commercial Bank for college students and graduate students. The annual fee is free in the first year, and the annual fee for the next year can be reduced if the cardholder spends three times or spends more than 3000 yuan. Moreover, ICBC will also provide credit reports for students with good credit records.

China Construction Bank Longka Student Card. As long as/kloc-full-time undergraduate students over 0/8 years old can apply for the credit card of CCB students, remember to bring a copy of ID card and student ID card, and relevant application materials are required to apply for the card, which should be filled in and submitted by parents or relatives. The credit line is RMB 1000 for undergraduate, RMB 3,000-5,000 for master and RMB 5,000 for doctor. The longest interest-free period is 50 days, and it can be repaid in 3- 12 months.

Excellent card of Agricultural Bank of China. The second card is free of guarantor and deposit. You only need to provide a student ID card (freshmen who have not received a student ID card can change it with the admission notice) and a copy of the ID card to apply for a card, and you can enjoy the discount of sending points by swiping the card. The credit line is generally in 500 yuan, with a maximum of 2,000 yuan. Provide an interest-free repayment period of up to 56 days, and do not provide installment repayment service at present.

CITIC White Card. The characteristic function of CITIC White Card is to cooperate with JD.COM White Card, which can cultivate personal credit records for the student party during its school days. Moreover, CITIC White Card can provide cardholders with an interest-free period of more than 80 days, and JD.COM White Card can also enjoy an interest-free period of 30 days. Cardholders are exempt from the annual fee for the first year if they swipe their cards or withdraw cash once, and the annual fee for the next year if they swipe their cards or withdraw cash five times.

What credit card can college students apply for?

If college students want to apply for a credit card, it is generally not recommended to apply for a high-grade platinum card with high application threshold and strict requirements on the applicant's economic income level, but ordinary cards and gold cards with lower application threshold are more suitable.

Unless the family is very rich, has a lot of assets under its name, and the economic level is really high, it is no problem to apply for a platinum card.

Of course, most people still suggest that it is better to apply for a universal card first. Everyone needs to pay attention. In fact, many banks have campus credit cards for college students and youth credit cards for young people. For example, YOUNG Card of China Merchants Bank (Youth Edition), Y-POWER Card of Bank of Communications (Campus Edition) and JOY Card of China Construction Bank (Student Edition). You can also choose this card to apply.

However, the initial credit card limit is not high, and some campus cards may have zero initial credit limit. However, you don't have to worry too much. The card quota is not fixed. As long as you pay more attention to accumulating good credit later, the bank will naturally increase the quota.

Extended data:

Can college students open credit cards?

College students can apply for a credit card, as long as 18 is over one year old and has full capacity for civil conduct. Many banks have also launched exclusive credit cards for college students, such as JOY Card of China Construction Bank (student version), Y-POWER Card of Bank of Communications (campus version) and YOUNG Card of China Merchants Bank (campus version).

Of course, the applicant must have good credit. If the credit is not good, once the bank finds that the applicant has credit problems during the examination and approval, it will naturally not approve the card.

It should be noted that most college students have no stable income, so the credit card limit is generally not high, and some offer zero initial limit, so they need to save money before spending. Only when students' families are rich and have a lot of assets under their names can they get high credit cards.

However, if college students are under 18 years old, they naturally cannot apply for a credit card master card. It is suggested to wait until they are 18 years old or older before trying to apply. Or parents have a credit card, you can also apply for a supplementary card to your parents' credit card first.

The easiest credit card for college students

Students can easily handle many credit cards, such as:

1, China Merchants Bank Youth Card (Campus Edition):

As long as you are between 18-30 years old, a student at school and have never applied for a personal MasterCard card of China Merchants Bank before, you can apply through the official website Campus of China Merchants Bank.

2. Bank of Communications Y-power Card (Campus Edition):

Students aged between 18-35 and with college, undergraduate, postgraduate or above qualifications recognized by the Ministry of Education can apply.

3. Shanghai Pudong Development Bank Youth Campus Card:

Students aged 18, under 40, full-time college degree or above can apply.

4, the construction bank student dragon card:

As long as 18 is over the age of 8, and the unit belongs to the scope of China Construction Bank's cooperative card-issuing universities, you can choose to apply. Customers can log on to the mobile banking of China Construction Bank and select the "Student" category in the "All Series Products" of the credit card application page to view the student credit card.

5. China Industrial and Commercial Bank Peony Student Card:

Full-time college students (including undergraduates, master students and doctoral students) who have reached the age of 18 can register at the school location.

1. In daily life, credit cards have the following functions, allowing you to realize free cash flow. To put it bluntly, when your current needs can't be met, credit cards can be met. Because the credit card has a long interest-free period and can be repaid in installments, it provides us with a lot of space to run our "Grandpa Mao". For example, if you want to buy an iPhonex, but you don't have extra cash to pay, you can buy it with a credit card first, and then adjust your salary slowly. In this way, you will get what you want and the economy will not be greatly affected.

2. It can also provide convenient consumption abroad. If you travel or travel abroad, you can use UnionPay cards in most places, which is very convenient. If you don't have a credit card, you need to find the corresponding bank to withdraw cash with a savings card, otherwise you need to charge an inter-bank service fee. Even if you find it, you need to charge a service fee from a different place, or you need to carry enough cash with you. In addition, credit cards can provide pre-authorization, and you can enjoy overseas booking of air tickets, hotels, car rentals and other benefits.

3, improve personal credit, in addition to the above intuitive uses, credit cards also play an important role in helping us accumulate and improve personal credit. Personal credit is becoming more and more important in modern society. In the future, its level will greatly affect how much cash flow you can get at critical moments. If the circumstances are serious, it will not be able to handle other types of financial business.

This concludes the introduction of what credit cards college students can apply for and what high-value credit cards college students can apply for. I wonder if you have found the information you need?