How Do I Choose the Best Credit Card for College Students?
College student credit cards are credit cards issued by banks specifically for college students. It has functions such as free remittances, accumulated points for consumption, and discounts for designated merchants. It is a good helper for students to open credit, become familiar with finance, and enrich their lives.
College credit card
College student credit cards are credit cards issued by banks specifically for college students. It has functions such as free remote remittance, accumulated consumption points, and discounts for designated merchants.
Free offsite remittance: parents can deposit cash in a different place with their card number and withdraw locally, without paying any
League of Legends Credit Card Campus Edition
Go to the nearest bank branch;
Apply online: League of Legends Campus Card, Peony Student Card, Dragon Card College Student Card / Famous School Card, Excellent Card, Young Card, Fantasy Card, Pudong Campus Youth Card [1]
When using credit cards, we must adhere to the principle of "pay within our means and use our cards rationally":
(1) Repay in time. After using credit card for overdrafts, you must pay in full before the repayment date set by the bank. Otherwise, it will affect your personal credit.
(2) Full safety. Be careful not to leak credit card information to others, especially credit card numbers, expiration dates, and verification codes. Criminals can use these credits to complete online payments. Contact the card-issuing bank to report the loss immediately.
(3) Careful reconciliation. The card-issuing bank will send a monthly statement to the cardholder. This statement is a detailed record of the cardholder's monthly card consumption, cash withdrawal and repayment. After receiving the statement, you should carefully read each record to prevent bank accounting errors, and pay attention to whether someone has stolen your credit card. At the same time, the statement is also a very convenient financial management tool, which will help you improve your consumption habits and minimize unnecessary expenses.
(4) Limit card. Each credit card has a credit line set by the bank based on the creditworthiness of the cardholder. After the credit card amount reaches the credit card limit, cardholders can still use the card to spend or withdraw cash. In this case, all your consumption in the month will no longer enjoy interest-free treatment, and the bank will also charge you an over-limit fee. The standard for the over-limit fee is generally 5% of the over-credit line portion. Therefore, college students must avoid overdrafts when using credit cards.
(5) Use credit cards according to your own situation, and clearly understand the purpose of your credit card application and your ability to repay. Otherwise, the use of credit cards will also cause yourself some unnecessary trouble. For example: the amount of repayment is not enough, the extra cost caused by forgetting the repayment time.
1. What information is generally required to apply for a college student credit card?
Generally, you need to provide a copy of your ID card, a copy of your student ID card, or an original certificate of your faculty. Some banks may also ask you to show other cards issued by the school.
2. What types of college credit cards are there?
There are currently seven college student credit cards, including the "
The China Banking Regulatory Commission recently issued the "Notice on Further Regulating Credit Card Business", which explicitly requires banking financial institutions not to issue credit cards (except auxiliary cards) to students under 18 years of age; no permanent workers have been found to have reached 18 years of age.
When issuing credit cards to students who do not have a stable source of income, they must implement the second source of repayment, and confirm the second source of repayment before agreeing in writing to bear the corresponding repayment responsibilities. It was subsequently reported that many banks had suspended university student credit cards. After visiting several banks in Beijing, the reporter found that the credit card for college students in Beijing has not been completely suspended, and some banks have raised the approval threshold accordingly.
The reporter visited several commercial banks in Beijing in the name of a college student credit card. Among them, the customer service of CITIC Bank and China Merchants Bank said that the two banks have stopped the college credit card business. The staff of the Agricultural Bank of China Credit Card Center also said that due to the relevant notice issued by the CBRC, the bank has suspended the processing of college student credit cards since July 22, and the relevant policies are being changed. At the same time, the staff of the three banks have stated that the suspension of this business will not affect the use of cardholders.
At the business office of Weigong Village, Haidian District, China Construction Bank, the account manager said that he had just received a notice from his superiors and had to fill out a second repayment source statement in order to obtain a student credit card. At the same time, the business staff of CCB Xidan business point said that this point can only accept students from 115 domestic colleges and universities that have an agreement with CCB to apply for "Famous School Card". According to the China Construction Bank Customer Service Center, students of 115 colleges and universities who have reached an agreement with the bank can apply for a "Famous School Card", and other college students can apply for ordinary college student cards, but according to the notice issued by the CBRC, The bank adjusted the application information, and added the relevant content of the second repayment source party to the newly developed application form. The second repayment source party must fill in personal information and signatures before applying.
Relative to CCB's measures, some ICBC outlets have not yet received a notice from their superiors, and can still provide [2] credit card business for ordinary college students who have reached the age of 18, without the need to provide written consent from the second repayment source. At ICBC's Sitongqiao and Shuangyushu locations, business staff all said that they had not received a notice of change from their superiors. They can apply by filling in the Peony Student Credit Card Application Form and attaching a copy of their ID card and student ID at the business point. A little hanging. " ICBC's customer service also stated that it had not received a notice regarding the adjustment of the student credit card business [3] .
