1, get a student card

Many banks have specially launched credit cards for college students. College students 18 years old or above, meet the requirements. They can directly apply for student credit cards of banks online, such as China Merchants Bank Youth Card Campus Card and Shanghai Pudong Youth Campus Card. After passing the examination, you can get off 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 it 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.

It should be noted that the secondary card is in the name of the principal cardholder, and the consumption generated will be repaid by the principal cardholder, otherwise the overdue will affect the credit of the principal cardholder.

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

First, continuous and frequent credit card consumption

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.

Second, pay attention to the credit card limit and temporary withdrawal.

Pay attention to the credit card limit and make full use of temporary withdrawals.

Third, stick to application and seize the opportunity of application.

Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on telephone application to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.

4. Threaten to use the cancellation card or suspend sleep.

Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.

How to handle the student credit card of China Merchants Bank?

Students from China Merchants Bank want to apply for a credit card, and bring their valid identity documents directly to the nearest China Merchants Bank outlet. If you receive a short message from China Merchants Bank asking you to go to the outlet for a face-to-face interview, you can bring your valid ID card, that is, the application materials, to the local outlet of China Merchants Bank within 30 days.