First of all, students can't apply for credit cards or loans (except for national student loans at school), mainly considering that students belong to pure consumer groups, have no jobs and have no repayment ability.

Secondly, only bank cards cannot be used for loans, and students' bank cards do not represent personal repayment ability and personal economic proof.

Generally, credit loans and mortgage loans are the main loans, and the loan conditions are as follows:

1. The application conditions for general credit loans are as follows: having a fixed and stable work income and punching in wages for at least 6 months; Social security and provident fund; The loan age is in the range of 22-60 years old; Personal credit is good.

2. The application conditions for general mortgage loans are: the age is within the range of 22-60 years old; There are collateral that meets the loan, such as houses, cars and other real estate.