College students can apply for credit cards. Citizens with full capacity for civil conduct (citizens over 18 years old in mainland China) and with certain direct financial resources can apply for credit cards from the card issuing bank. But the chances of college students applying are relatively low.

VISA is not a card issuer, but an organization, which is equivalent to an alliance. Any bank that joins this organization can issue a VISA credit card, which can transfer funds, make payments, and withdraw cash across banks among all members of the VISA organization.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

Extended information

Notes on applying for a Visa card

First of all, Visa and Mastercard are both foreign card issuing organizations. Which one to choose depends on the scope of the user’s activities. To make a decision, if you often travel in Asia or Australia or make purchases with credit cards, it is recommended to choose a Visa card, because Visa accepts a larger number of merchants in Asia and Australia, making it more convenient to use. Mastercard’s advantage lies in Europe and North America.

Secondly, if you mainly swipe your cards domestically and occasionally swipe your cards abroad, you must apply for a dual-currency credit card instead of applying for a Visa single-currency credit card (Visa single-currency credit card is currently more popular). few). Because a simple Visa card may not be able to be traded at domestic UnionPay POS machines.

Again, take safety precautions for your Visa card. Pay attention to the three-digit verification code on the back of the credit card. It is best to stick it with a small piece of paper. Try to keep the card with you when swiping the card, especially when swiping the card abroad. time. Because in foreign countries, Visa card holders often do not set a password for transactions. They only need to provide the merchant with card number, three-digit verification code and other information and sign to complete the transaction.

Therefore, once the card number and verification code are leaked, it is very likely that the card will be stolen.

Finally, after using the Visa card for overseas shopping or overseas consumption, the foreign currency account needs to be repaid. Currently, the common repayment methods include the following two: repayment by purchasing foreign exchange and automatic foreign exchange purchase, and RMB settlement. More and more banks have opened repayment methods of automatic foreign exchange purchase and RMB repayment, providing convenience to cardholders.

This method means that after the cardholder uses the credit card for foreign currency transactions, each transaction for overseas consumption will automatically purchase foreign exchange and convert it into RMB for accounting, and the cardholder only needs to pay back RMB.

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-VISA Credit Card