Conditions for handling a credit card: at least 18 years old, holding a valid ID card, no bad credit record, a fixed work certificate, an income certificate stamped with the company's financial seal, a social security certificate, and other financial certificates, such as real estate, cars, stocks, bonds, etc. The first three conditions must be met. Try to provide 4-7 certificates to improve the success rate and credit limit of card processing. Compared with office workers with a certain income, it is a little difficult for students without economic income to apply for credit cards, but now many banks have launched credit cards exclusively for students.

What if the credit card is overdue?

Is it true that the credit card cannot be loaned after it is overdue? In fact, it is not absolute. The following are several common non-malicious overdue, and the parties can communicate with the bank to issue a certificate. Details are as follows:

1. The business is handled by a third party, but the third party fails to repay the loan on time as agreed in the contract, resulting in overdue. For example, car dealers handle car loan business, real estate developers handle mortgage business, and agents and other third-party agents repay loans. , overdue due to third-party reasons, such as using the money for other purposes.

2. After buying a house with a personal loan, the developer returned the personal down payment for various reasons, but failed to deal with the overdue caused by the loan settlement in time.

3. If an individual sells the mortgaged house but fails to refinance, the overdue due to the buyer's failure to repay the loan on time is still recorded in his own name.

4. The unit failed to pay the provident fund in time, resulting in the failure to repay the personal provident fund loan in time.

5. Is it because the individual doesn't understand the provisions of the repayment date of the bank, or the bank staff didn't clearly inform the repayment date, or the bank didn't inform the individual when the loan interest rate was adjusted or the repayment date changed? As a result, the individual failed to repay the loan in time according to the contract, resulting in overdue records in the personal credit report.

Credit card applications usually require the following conditions:

1. First of all, the credit card applicant must be 18 years old or older;

2. The applicant has a stable job, and the bank provides work certificates and bank running water;

3. Credit card application requires a good credit record. If the credit is poor, it will generally not pass;

Minors must obtain the consent of their guardians before applying for a credit card.

How to apply for college students' credit cards?

First, college students' credit card application

To apply for a credit card, college students need to apply near the university. Most banks in college dropout don't handle credit cards for college students. College students need to show their identification to the bank staff before applying for a credit card. The credit card application was successful but the amount was relatively low.

Second, college students' credit card application materials

The application materials for college students' credit cards are very important for applying for banks. Even if the bank launches the student credit card business, the materials are not well prepared and it is easy to be rejected. At present, there are many kinds of cards for materials in the bank. As long as you can prove that you can change money, print them out for him to see.

Proof materials: savings card running for three months, student ID card, Taobao transaction record, Alipay transaction record, and a detailed list of three-month phone bills and local numbers. Among them, parents will be contacted by phone to ask if they agree to handle credit cards and parents' credit records.

Third, get a credit card and upgrade it.

It takes a week to get a credit card. The initial credit limit of a student credit card is generally 5000 yuan. Frequent use in the later period, timely repayment. The bank will call you to increase the credit limit.

Matters needing attention in handling college students' credit cards:

1. Go to the bank at the school gate for consultation. Generally, only the bank at the school gate will handle student credit cards, and other outlets will not accept them.

2. Provide all materials to prove financial resources. Parents agree.

3. If you can buy it by credit card, you can buy it by credit card, and then repay it immediately to increase the amount.

4. There is only one card with a clear purpose.

How to collect college students' credit cards: express delivery, delivery to school and telephone the bank to collect them.

How to open the credit card for college students: After receiving the credit card, it can be opened in the way designated by the bank.

The credit card for college students is a credit card issued by the bank specifically for college students. It has the functions of free remittance in different places, accumulated consumption points and preferential treatment for designated merchants. It is a good helper for students to open credit, be familiar with finance and enrich their lives.

How do students apply for a credit card?

The most common way for college students to apply for a credit card is to apply for a credit card directly through the salesman who comes to the bank to handle the credit card.

brief introduction

(1) The average college student's first credit card amount is about several hundred yuan. Most banks set up special credit cards for college students according to their special status. For example, Agricultural Bank of China U, ICBC Peony Card, China Merchants Bank YOUNG Card and CITIC College Student I Card are all credit cards specially designed for college students.

(2) The amount of credit card for college students for the first time is about several hundred yuan. Most banks set up special credit cards for college students according to their special status. For example, Agricultural Bank of China U, ICBC Peony Card, China Merchants Bank YOUNG Card and China CITIC Bank College Student I Card are all credit cards specially designed for college students.

(3) In terms of application methods, the most common way for college students to apply for credit cards is to apply for credit cards directly through the salesmen who come to the bank to handle credit cards. This card-handling method is more convenient, and there are often certain card-handling benefits, such as giving points or small gifts.

(4) Secondly, apply through the online port. After the conditions are met and approved by the bank, the bank will have a salesman to contact the applicant directly; Finally, the applicant can also go directly to the bank for consultation. After the conditions are passed, the credit card will be mailed directly to the applicant.

This is the end of the introduction on how to handle student credit cards and how to handle student credit cards. I wonder if you have found the information you need?