2. No bad credit record and good personal credit status.

3. Have a stable job and economic source, and the bank recognizes the repayment ability of users.

Generally, users who meet the above three points can basically successfully apply for their own credit cards. If users want to get a higher credit card limit, they can also provide some proof of their own income when applying for a credit card. Real estate license, etc. To prove their repayment ability and improve the credit limit for credit card approval.

When banks examine credit card applicants, they will see if they have a stable income, which makes many college students very upset. Does this also mean that college students cannot apply for credit cards?

It is difficult for college students to apply for credit cards, but this does not mean that college students cannot apply for credit cards. There are two ways for college students to apply for credit cards:

1. Apply for a big student co-branded card: At present, many banks have launched credit cards for college students. However, generally speaking, the amount of such credit cards is not high, and may even be 0. Users can apply after consulting the bank.

2. Handling credit card supplementary card: Generally, credit cards can handle supplementary cards, so college students can handle a supplementary card of their parents' credit cards to use, use the credit line with their parents, and parents will repay after consumption.

First of all, the six functions of credit cards:

1. A credit card is a proof of confidence.

Information such as overdue records and credit limits of credit card accounts will be entered into the national personal credit information system. Cardholders can accumulate and increase intangible assets such as credit, which is beneficial support for cardholders to carry out other economic activities, such as applying for loans from banks.

2. Credit card has credit function.

Credit cards can be spent first and then repaid. Consumption can enjoy an interest-free period of up to 50 days, and all the money can be paid off on time, which can exempt the interest paid by the issuing bank for the cardholder.

Credit card can be used for installment payment.

When a cardholder uses a credit card to make a large amount of consumption, the bank will pay the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then let the cardholder repay the money to the bank in installments.

You can withdraw cash by credit card.

The cardholder can withdraw the deposit in the credit card account or borrow cash in advance at the branch counter or ATM of the card issuer.

5. Credit card has settlement function.

It is very convenient to spend in domestic and foreign merchants, ATMs, bank outlets, transfer money and other places.

6. Credit cards have overdraft function.

This is the most important function of a credit card. According to the applicant's credit situation, a credit limit is approved, and the applicant can overdraw within this limit. For example, if your monthly repayment date is 12, then your consumption before 12 can be paid off before the final repayment date of this month. If you spend after 12, you can repay it at the end of next month, so you can get more interest-free time.