What Are the Different Types of Student Debit Cards?

Student Card is a card for students or users who are students, and usually has certain preferential activities in terms of consumption.

student card

Student Card is a card for students or users who are students. According to different classification methods, there are currently the following categories:

Student credit card selection principles

In the foreign market, the student credit card business has matured. According to statistics, as early as 2002, the proportion of college students with credit cards in the United States reached 83%. Keep it at a fairly low level. There are currently 19 million college students in China, and there is huge room for development in the college student credit card market. The proportion of college students holding cards in China has also increased significantly in recent years, from 15.1% in 2006 to 24% in 2007. Introduced student credit cards.

Faced with a large number of credit cards, how should students choose? Credit cards are not "better, better," nor "don't use them for nothing." Students should pay attention to these aspects when choosing a credit card:

(1) Annual fee. Different banks and different types of credit card annual fee and annual fee waiver regulations are not the same. For ordinary students, some can save energy and savings are some, you must first understand the annual fee regulations when applying for credit cards.

(2) Credit line. Banks will state the maximum credit limit when advertising credit cards, but the credit limit for ordinary students will not be very high. Of course, in general, the higher the credit limit, the better.

(3) Convenience of repayment. To choose a bank with many outlets and automatic deposit machines, or to handle related accounts, online repayment, inter-bank transfer, convenience store repayment and other methods, the bank with more repayment methods is certainly more beneficial to cardholders.

(4) Installment payments. Each bank has a different rate, and choosing a bank with a lower fee can save a lot of money. For example, a total of 3,000 yuan was spent. If you repay in 12 installments, one bank will charge a rate of 0.5% per instalment and the other will charge a rate of 0.72% per instalment. , The difference between the two reached 79.2 yuan.