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How do Xiamen University students apply for credit cards?
At present, only Minsheng Bank accepts student cards, which are called international student cards. But it's hard to get it without attaching your own card. Since the CBRC issued a policy in 2009 prohibiting all students with no fixed income from issuing cards, all banks have cancelled their student cards, including the student cards of Industrial and Commercial Bank of China and China Merchants Bank. However, Minsheng, an international student card specially designed for students, is also attached to the host.

In fact, from the card surface and use, it is impossible to see whether it is the main card or the auxiliary card. I think the reason you don't want to attach it is that you don't want your parents to control and know the amount of your card and the place where you spend it. There is only one way:

Convince your parents that you are an adult and want to control your expenses. If parents are not at ease, they can call customer service to reduce the credit limit. Take the main card with you after issuing it. Use a supplementary card for consumption and two cards for repayment. (Satisfy vanity) But you should know that no matter what reason you are overdue or suspected of cash consumption. Your parents will take all the responsibility. And if you spend a lot of money abroad, some banks will call the main cardholder in the background at the first time, and then they will lend money after verification.

There is another illegal method: applying for false information or asking an agency to pay a fee. Because it is illegal, it is strongly recommended that you do so, and the specific process is not introduced here. Otherwise it will hurt you.

In addition, the question of which cost-effective exit method is actually similar. The longest interest-free period of each bank is more than 50 days, with a maximum difference of 3-5 days. You don't need to accumulate points or anything, not to mention that unless you spend hundreds of thousands a year, the difference is not too much. In fact, the most important thing is the difference between card issuers and cash.

1 Issuer:

If you go to Southeast Asian countries, it is recommended to use a VISA card, and the exchange rate is very good.

If you go to Europe and America, it is recommended to use a card marked MASTER.

Generally, there are two signs on the card, but it is rare to see V and M at the same time, usually UnionPay plus V or M. No matter what the label of the card is, as long as it is used in mainland China, the functions are the same, but there are differences in other places.

Compared with cash.

If you happen to have coins from this country at home or have relatives and friends who can buy them at a very low exchange rate, it is recommended to hold cash (but cash is very dangerous, and there are regulations for carrying cash abroad, which varies from country to country).

Or you expect the currency exchange rate to fall sharply in the short to medium term. Of course, take as much as you can. It's not worth anything for a while anyway. Don't think too much about this factor, because the sharp appreciation and depreciation of the currency are beyond our expectations.

Last sentence, if you go abroad. It is recommended to carry a dual-currency credit card. So you can brush foreign currency abroad. The family can pay back the money directly. In addition, if you want to go abroad, you can get a credit card abroad.

I have been engaged in the credit card industry for more than 3 years, and the above experience is for reference only. If you write well, you get extra points!