Generally, you need to provide a copy of your ID card, a copy of your student ID card or the original certificate of your department. Some banks may also ask you to show other cards issued by the school.
2. What are the types of credit cards for college students?
At present, there are six kinds of credit cards for college students: Peony Student Card issued by ICBC, Longka Student Card issued by China Construction Bank, Youka Card issued by Agricultural Bank, Young Card issued by China Merchants Bank, Fantasy Card issued by Guangdong Development Bank and I Card issued by China CITIC Bank.
3. Can college students who have applied for student loans apply for credit cards?
Banks have different policies, and CCB has no restrictions; The Agricultural Bank of China has strict restrictions on college students who have applied for student loans.
4. Is interest-free installment really interest-free?
Banks use interest-free installment payment as a selling point, but in fact, although cardholders do not need to pay interest, they have to pay a certain handling fee, which may be greater than overdraft interest. For example, if you use the Peony Student Card of Industrial and Commercial Bank of China for installment payment, you need to pay a one-time fee of 165438+ 0.7% of the total installment amount to the bank if you want to repay in installments in the next 18 months.
5. Can credit card consumption enjoy the longest interest-free period?
If the payment is made in full before the repayment date, the cardholder does not need to pay the overdraft interest from the credit card billing date to the repayment date. So how long is the time from the billing date to the repayment date of the credit card? Different banks have different regulations, such as 25 days in China Industrial and Commercial Bank and 20 days in China Construction Bank. Cardholders can only enjoy the longest interest-free period of the month of 3 1 day if they swipe their cards the day after the bank statement is issued.
6. Can college students who graduate next year apply for a credit card?
You can apply as long as you haven't graduated in that year.
7. Can college students swipe their credit cards in other places? Do I have to pay a handling fee?
College students' credit cards are all credit cards with UnionPay logo, which can be used at POS machines all over the country without extra handling fees.
8. Is the credit limit of college students' credit cards fixed?
After using the credit card for half a year, college students can apply to the bank to increase the credit limit. The bank will comprehensively consider the credit card usage and other factors to evaluate the cardholder's comprehensive credit, and decide whether to increase your credit limit according to the evaluation results. In addition, if large short-term expenditures are needed, you can also apply to the bank for a temporary increase in the credit line.
9. Can master students and doctoral students also apply for university student credit cards?
Of course. Master students and doctoral students are more likely to apply for credit cards and get higher credit lines.
10. Is there any interest on saving money by credit card?
There is no interest on saving money by credit card. In order to get more interest income, it is recommended that you deposit the remaining funds into your debit card, and the bank will pay interest on the balance in the debit card.