At present, there are not many types of credit cards suitable for students, specifically the following:
1. ICBC Peony Student Card:
Peony Student Card is a dual-currency credit card product specially designed by China Industrial and Commercial Bank for college students and graduate students. This card can deposit and withdraw money in different places, and there is no cash handling fee. There are also students who are paying overseas examination fees and can purchase foreign exchange in RMB for repayment.
2. Construction Bank's "Longka College Student Card":
Longka College Student Card is a RMB credit card jointly issued by CCB and UnionPay. The card can be used to deposit (repay) money in the card, and it can be deposited (repaid) free of charge in the same city and different places for unlimited times, which meets the learning needs of students and saves the cost of fund transfer. This card is free of annual fee in the first year, and it is free of annual fee for three times a year (unlimited amount) in the second year.
3. Agricultural Bank's "Youka (Campus Edition)":
Youcard is a Unionpay exclusive credit card created by Agricultural Bank of China for college students. There is no charge for depositing (returning) money in the same city or other places. Cardholders can also enjoy English, certificate examination, professional quality and other courses above Netease Cloud Class for free.
4. China Merchants Bank "Youth Card (Campus Edition)":
China Merchants Youth Card (Campus Edition) is an exclusive credit card of UnionPay and a card with a quota of 0. Students can deposit before spending, cardholders can enjoy the preferential rights of credit card consumption of China Merchants Bank, and there are some campus-specific privileges. Cardholders can also accumulate personal credit records from the time of study, which can be converted into higher credit cards after graduation.
5. CITIC Bank's "I Card (Campus Edition)":
China CITIC Bank I Card is a credit card for college students. Cardholders can enjoy 24-hour accidental hospitalization medical insurance service. If there is an accident, they can stay in the hospital without paying the hospitalization deposit, and they can get hospitalization insurance of up to 5,000 yuan. Cardholders can get 1 points for every 1 yuan spent, and spend double points in the birthday month. I card holders can quickly withdraw cash from ATM, CDM and CDS machines with UnionPay logo. The handling fee is as low as 65438+ 0% of the cash withdrawal amount, and the minimum is only 5 yuan RMB. It is convenient and affordable to withdraw cash locally from deposits in different places.
What kind of credit card is better for students?
Nowadays, credit cards are no strangers to many people. They play a very important role in life. Many people will apply for one or more credit cards. So what kind of credit card should college students apply for? Let's have a look.
What credit card is better for students?
The basic threshold for students to apply for a credit card must be at least 18 years old, and then they must provide a second repayment source and confirm in writing that the second repayment source agrees to bear the corresponding repayment responsibility.
Many banks offer credit cards for college students without a quota, so the application process is simpler and the requirements are lower. It is best for college students to apply for such a credit card. Here are some recommendations for everyone, as follows:
1, China Merchants Bank Youth Card (Campus Edition)
College students can apply for credit cards at bank outlets or online. After the application, the credit card limit is zero, and it will be temporarily sealed before graduation. But they can deposit money in it, spend it by credit card, and enjoy various credit card preferential activities launched by China Merchants Bank.
Advantages of this card:
1, free of annual fee for life.
2. Withdrawing cash from ATM every month is exempt from the handling fee for the first two cash receipts in advance.
3. After applying for the nuclear card, there are many new home gifts and wool in the Pocket Life APP.
What kind of credit card do college students apply for, which is suitable for college students' credit card recommendation?
What kind of credit card do college students have, which is suitable for college students' credit card recommendation (Source: Photo Network)
As for how to get the quota, you usually have to wait for the transfer card after graduation. The card transfer can be operated on the Pocket Life App, and the company information needs to be filled in. After the card is transferred, it is a new card and you can get the quota. Personally, I think China Merchants Bank's credit card is quite good, with high quota and very fast withdrawal speed.
2. Shanghai Pudong Development Bank Youth Campus Card
Advantages of this card:
1. quotas and share capital continue to grow.
2. Free of overpayment of cash withdrawal fee.
3. Free annual fee for life.
When applying, the parent company can increase the amount of guarantee, and if there is no guarantee, the amount will be 0. It's simple for parents to write a letter of guarantee. Send them a spreadsheet and let them print it out. Just fill it out and take a photo and send it to you. Then you can apply online and submit it through the attachment. Generally, you can get a quota of about 3000 yuan. You can use more Apple, Samsung, Huawei and Xiaomi PAY to raise the amount faster.
3. Industrial Bank Xingdong Credit Card Campus Edition
The campus version of Xingdongli Credit Card is UnionPay Gold Card, but its application entrance can't be seen in official website of Industrial Bank Credit Card, and it can only be applied at the counter of bank outlets. About this credit card, official website introduced very little, only knowing that this card has no quota and no annual fee. Later, you can only obtain the quota by submitting your work certificate at the outlet.
Advantages of this card:
1, the card is free of annual fee within the validity period.
2. Overpayment of cash withdrawal is free of charge.
3. The card is up to standard in the current month, and all online transactions in the next month have points.
4. CITIC Bank JD.COM Xiaobai Card
As for this small white card from JD.COM, it is highly recommended to students. This card is a joint credit card launched by JD Finance and China CITIC Bank. Mainly for young consumers born after 90. For those who have no proof of income and no credit history, they always say that they can accumulate credit through online consumption and JD.COM IOUs, and use these consumption data to apply for this credit card.
If your JD.COM Xiaobai credit score is above 60, you can make the first brush within 60 days after checking the card, and you can take your friends to enjoy the five-star buffet with two people walking together and one person free of charge within one year; If the total consumption reaches 399 yuan within 60 days after greeting cards, 9 yuan can exchange a new user's "American travel backpack" after T+2.
Reward (Starbucks coffee or Haagen-Dazs ice cream) after spending a certain amount within a certain period of card issuance (99 yuan is filled at one time within 60 days), and share the exchange activities. Every natural month, if you spend more than 299 yuan (inclusive) and spend more than 3 times, you will get 1 time interest, and you can exchange 9 points for Starbucks coffee, Burger King, Haagen-Dazs and so on.
5. China Construction Bank Student Series
Usually the amount is low, depending on the specific bidding situation.
There is no annual fee for 3 swipes or withdrawals with Puka Gold Card and 18 swipes or withdrawals with Platinum Card. (There are differences between different card types)
Copy of ID card and student ID card is required, and relevant application materials should be filled in and submitted by the applicant's parents (or relatives).
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 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.
Which bank is suitable for students to apply for credit cards?
1. At present, most banks have college student cards, such as China Merchants Bank, China CITIC Bank, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, Shanghai Pudong Development Bank and China Guangfa Bank. The maximum credit limit for undergraduates with student cards is 3,000 yuan, and the maximum cash withdrawal limit is 1.500 yuan. Card-issuing schools locked by card-issuing banks are generally national 2 1 1 engineering schools, and there are some well-known local schools. College students, three independent majors, adult education, TV University, distance education and self-taught students cannot apply.
2. University credit card applicants must be full-time undergraduates. Some banks define an application as a freshman or a senior. In addition, the applicant cannot have a student loan, and the applicant needs to provide a copy of the ID card and student ID card.
3. The school is not a card-issuing school, or the applicant is not an undergraduate, or a student with a student loan meets one of the conditions and cannot apply for a college student credit card.
4. If my parents have a regular job, they can apply for a credit card, and I can apply at the same time as a supplementary card applicant. Supplementary card applicants only need to provide a copy of their ID cards and sign the supplementary card signature on the application form. As long as the main card is approved, the auxiliary card is basically approved, so you can get a credit card.
What credit cards can students apply for?
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 version) and Young Card of China Merchants Bank (campus version). If students can't provide proof of work and income, and can't guarantee normal repayment, the bank is still cautious in reviewing students' card application, but it will also consider issuing cards to students.
In addition to parents' credit cards, students can also apply for the following credit cards as supplementary cards:
1, Young card dual-currency credit card is a kind of credit card specially for college students. The application method is relatively simple, including your identity information and proof of your assets.
2. Peony Student Card is a dual-currency credit card product specially designed for college students and graduate students. Those who need 2 1 1 key universities directly under the Ministry of Education or those who work in universities can be considered.
3. Fantasy cards are also a good choice and a credit card for students. You also need proof of study and college cadres to handle it.
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.
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.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
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.
So much for student credit card selection.