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+parental consent.

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.

Can college students apply for ICBC credit cards?

You can apply for ICBC Peony Student Card or ICBC Cosmos Constellation Credit Card (Campus Edition). Please provide a copy of your valid ID card and valid student ID card, and apply for a student card at the local outlet of your institution. If there is no stable source of income, you must apply for a card through pledge or provide a second source of repayment. If there is a stable source of income, a certificate of stable income issued by the school student affairs office or the finance office shall be provided.

The conditions for handling ICBC student cards are as follows:

1. 18 years old or above, with full capacity for civil conduct, studying in the institution where the card issuer is located;

2. Provide a complete application form signed by the applicant;

3. The contact person shall be a natural person with full civil capacity between 18 and 65 years old. At the same time, the first contact person must be a parent or spouse who is a domestic resident and works or lives in China, and the second contact person is a full-time counselor, class teacher, teacher or classmate of the applicant institution where the card issuer is located; The contact person should provide effective contact information.

China Industrial and Commercial Bank Cosmos Constellation Credit Card (Campus Edition) Application Provisions:

1. card certificate: consistent with the ordinary credit card applied by ICBC;

2. Constellation Card Campus Edition can issue 0 credit cards, not limited to colleges and universities, and all college students can apply;

3. Credit cards with overdraft limit are only issued to designated institutions at present (universities all over the country are opening up one after another). In addition to the card certificate, you need to bring the Student Customer Repayment Commitment Letter (which can be downloaded from ICBC official website) to fill in the paper application form at the designated outlets of ICBC;

4. The Campus Edition of Constellation Card does not support applications in the form of supplementary cards, except for other credit cards, supplementary cards and mobile phone supplementary cards in the Campus Edition of Constellation Card;

5. Amount adjustment: Cosmos Constellation Credit Card (Campus Edition) product does not support amount adjustment at present, and the branch channel does not accept the amount adjustment of this product in the counter channel.

(Answer time: 202 1 June1.In case of business changes, please refer to the actual situation. )

Can college students apply for ICBC credit cards online?

1. Yes, I can tell you from my practical experience that I applied for an ICBC credit card online. But the premise is that you must have ICBC online banking, because for the first time, you have to go to the counter. Other banks, such as China Construction Bank, apply semi-online, because it needs to be printed and handed over to outlets.

2. As for the business card with no annual fee, it seems that only the budget unit of CCB has no annual fee.

As for which bank is easy to handle, the key depends on your credit status, and ICBC is easy to handle. 1. To apply for a credit card, you need to prepare the following materials:

Work certificate and income certificate. You need to go to the bank to get this certificate application form, and then fill in some basic information yourself, and then give it to the work unit with official seal and then hand it over to the bank.

Social security payment certificate. Social security payment certificate is a good proof of job stability, and the success rate of applying for social security card will be improved.

Certificate of deposit. If there is a bank deposit, the applicant can issue a deposit certificate in the bank and then apply for a credit card from the deposit bank, which will improve the success rate of card handling.

Vehicle driving license. If you apply for the owner's credit card, you also need to provide the vehicle driving license.

Property certificate. Now, if you want to apply for a large credit card, you can use the real estate license as proof of property.

I already have a credit card. If you have a credit card from another bank, as long as it has been used normally for more than 3 months, it can be used as an additional material for applying for a card.

Second, the main characteristics of credit cards

1. Cash deposit in advance is not allowed. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.

2. It is one of the fastest developing financial services, and it can replace the traditional cash circulation in a certain range.

3. It has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

It is a high-tech product integrating financial business and computer technology.

5. It can reduce the use of cash currency.

6, can provide settlement services, convenient shopping and consumption, enhance the sense of security.

7. It can simplify the collection procedure and save social labor.

8. It can promote commodity sales and social demand.

Extended data:

College students' credit card function

1. Remittance in different places is free: parents can withdraw money locally by depositing cash in different places without paying any handling fee.

2. Cumulative points for consumption: With credit card consumption, you can accumulate points of the corresponding issuing bank, and the points can be exchanged for goods. The specific accumulation rules and convertible goods vary from issuing bank to issuing bank.

3. Establish a credit record: A good credit record is convenient for handling housing loans or other consumer loans in the future.

4. Pay after spending: After spending by credit card, the bank will collect the money after 20~50 days, and will not pay any interest or fees during this period.

5. Installment shopping: You can apply for credit card installment payment when you buy your favorite computer and other big items, and the term ranges from March to 24th.

Icbc credit card application

The conditions for applying for a credit card are as follows: the domestic person (excluding college students) who is the main card applicant must be a natural person aged 18 or above, have full capacity for civil conduct, have a work unit or permanent residence in the place where the card issuer is located, and have a stable income above the local average. ICBC will review your comprehensive assets, and the final approval will be subject to the approval of the card issuer.

You can apply for a credit card through the following channels:

1. Online channel: You can log in to mobile banking and apply for an ICBC credit card through the function of "Credit Card-Card Handling". Or complete the application through official apps such as Ronge Lian and ICBC e Life; You can also apply online through online banking.

2. Offline channel: You can go to a nearby ICBC outlet with your personal certificate, fill out a paper application form on the spot, fill it out as required, and return it directly to the outlet for application with necessary materials. The card issuing result is subject to the final approval.

(Answer time: April 22, 2022. In case of business changes, please refer to the actual situation. )

What are the conditions for ICBC student credit cards?

Conditions for applying for an ICBC credit card: To apply for an ICBC credit card, you must be over 18 years old (inclusive), have a work unit or permanent residence in the place where the card issuing institution is located, and have a stable income and above the local average. The ICBC credit card will be reviewed according to the applicant's comprehensive assets, and the final ICBC credit card will be subject to the actual approval results.

Foreign students applying for ICBC Student Card must be natural persons with full civil capacity between the ages of 25 and 65. Its work unit is in the place where the card issuer is located, and its income is stable and above the local average;

Whether your school can apply for Peony Student Credit Card is subject to the actual application.

Extended data:

Platinum card holders who spend more than 4 million yuan can give the main and auxiliary cards a permanent annual fee-free discount. Individual cardholders of gold cards and ordinary cards who have no bad credit records and have held various credit cards of ICBC for more than 10 years (including 10 years) since the implementation of these Measures may be given a permanent annual fee-free discount for the main and secondary cards in an account.

The annual fee of ICBC is charged after the first use, that is, one year after the account is opened. As long as you pay 5,5000 yuan (3 student cards or 3,000 yuan, Platinum Card10.6 million points free of annual fee or 200,000 free of annual fee) in this year, you will be exempted from the annual fee of that year. At the same time, ICBC does not charge an annual fee for opening credit cards.

Baidu Encyclopedia-ICBC Credit Card

China industrial and commercial bank-intelligent customer service

So much for the introduction of business school students' credit card applications.