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.
Some conditions for college students to apply for credit cards;
1. Applicants for university credit cards must be full-time undergraduates. Some banks define the application of academic students as freshmen or seniors. In addition, the applicant cannot have a student loan. Applicants need to provide copies of their ID cards and student ID cards.
2. For example, China Merchants Bank, CITIC, ICBC, China Construction Bank, Agricultural Bank of China, Pudong Development Bank, Guangfa, etc. The maximum credit limit for undergraduates with student cards is 3,000 yuan, and the maximum withdrawal limit is 1500 yuan. Card-issuing schools locked by card-issuing banks are generally national 265,438+065,438+0 engineering schools, as well as some well-known local schools. If your school is not listed as a card-issuing school, you cannot apply. College students, three independent majors, adult education, TV University, distance education and self-taught students are generally not allowed to apply.
3. If my parents have a regular job, I can ask them to apply for a credit card, and I can apply for it as a supplementary card applicant at the same time. Supplementary card applicants only need to provide a copy of their ID cards and sign the supplementary card signature on the application form. As long as the main card is approved, the auxiliary card is basically approved, so you can get a credit card.
4. If the school is not a card-issuing school, or the applicant is not an undergraduate, or students with student loans meet one of the conditions, they cannot apply for a college student credit card.