Yes, but according to the regulations, college students need to implement the second payer when handling credit cards, so parents or relatives need to sign a guarantee statement.
Education is the first prerequisite for students to apply for a credit card. They must be at least 18 years old and have a full-time undergraduate degree or above before they can apply. If you are only a secondary school or a higher vocational school student, the possibility of success is basically zero. In addition, the application volume of pure college students is relatively low. If so, it depends on the type of work and income level. It is best to choose a formal company, which can sign an internship or contract, or have a work permit, which will help the bank verify the information. At the same time, your card approval amount will increase a lot accordingly.
There are three ways to apply for a credit card:
1, go to the bank counter to apply for a credit card.
Handling credit cards at the bank counter requires a lot of information, but if you can provide proof of assets such as automobile production, real estate and bank card flow, the credit card quota is also high.
2. Apply for a credit card online.
Applying for a credit card online is the most commonly used method. You can apply anytime and anywhere, with simple materials and fast approval speed. Finding a person with good credit information and high credit card limit to recommend you to apply for a card can also improve the chances of passing.
3. Handle the credit card through the salesman.
The advantage of getting a salesman to apply for a credit card is that they will try their best to help you with the card, because whether or not to apply for a card is also related to his own commission. Looking for a salesman to apply for a card will get some help in preparing materials and answering return visits.
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 college students apply for CCB credit cards?
Students:/kloc-Full-time college students over 0/8 years old can apply for CCB student credit card. Application route: 1: Log in to CCB official website, enter the credit card application page, and select the "student" category in the card classification "All product series" to view and select the applied student products. Application way 2: You can submit your application directly through the CCB outlets near the school. Note: According to the regulations of CBRC, in order to apply for a credit card, college students must provide written guarantee materials that the second repayment source (parents, guardians or other managers) is willing to repay on their behalf.
Fresh graduates: applying for a credit card is the same as ordinary customers, but you must provide a tripartite employment agreement, a copy of the dispatch card or a list of employed students confirmed by the school seal.
(In case of business changes, please refer to the actual situation. )
This is the end of Apple's phased launch of CCB Student Credit Card and CCB Student Credit Card. I wonder if you found the information you need from it?