Last weekend, Fudan University, Shanghai Foreign Trade College and other colleges are starting procedures for new students. Fudan University yesterday, the reporter saw the booth to promote credit cards have laid them out on campus posture. Students without a stable income, the past is considered to be overdrawn credit card apply for a restricted area. But in recent years, many commercial banks in the pursuit of card volume, have sights on this group of university students in the university school, in this campus warn that promotion. Which also spawned a group of campus credit card marketing on campus for profit credit card sales agent channel. ?

Campus agent has become common practice

Yesterday, reporters saw at Fudan campus bank’s credit card stalls, some students are consulting and processing. Field staff told us that they are selling, “Fudan Dragon.” The reporter saw printed on the card name and logo School of Fudan University, several students have been told to run the card: “the card has the name of our school, I felt particularly status symbol. On the other hand, also on behalf of the students identity, and sometimes buy things, can have benefits. “staff said:” Last year, for the first year we Fudan University, the results are pretty good, for a total of more than 3,000 sheets. This year we sold at Fudan first week, next week in the financial big Sales. “

Reporter learned that the CCB to promote “Fudan Dragon”, it is also the campus to attract students to do credit card sales agents, do earn one card out of 30. One agent told reporters: “Last year in the Songjiang University City, students who excel in individual ability to do that more than 500 proxy cards. A year of tuition and living expenses are earned.”

In Songjiang University City Forum, part-time sector, the recruitment of part-time credit card sales agents post everywhere, some students do their own sales agents, to find a group of students to do “offline”, “offline” to do to a cards, the agent gave him the agency fee of 15-20 dollars, so, direct sales agents and banks to contact their profits can be 10-15 dollars.

Students “card slaves” many

Learned to do a number of bank card information, for students currently issued credit cards, card procedure is very simple to do, students need to bring student ID card, ID card can handle. Undergraduate card generally overdraft 3,000, graduate students usually 5,000 yuan, interest-free overdraft limit of up to 50 days. Compared with the serving staff, there is no consumer credit restrictions.

Some parents said in an interview, apply for credit cards, some students started a lot of poor self-control spending, make ends meet, to develop a “squandered” the habit, and finally students unable to repay overdraft, have to rely on parents to foot the bill . Fudan University student Liu said: “do a credit card to be overdrawn consumption, who does not heart? But organized only to find themselves always plagued by this excessive consumption. Some students have already developed a first overdraft, banks, etc. The bill arrived, and has yet to send money home, find a student loan repayment habits. “

Fudan university students, a teacher on the phenomenon of excessive use of credit cards to express their concerns: “I have a 5-year graduate students, and ready to get married, to buy a house, lending to the banks when they were stuck , later found the original credit card used in the school did not pay off in time due. students as a special group, but also to enhance self-control when spending, live within our means, rational consumption, the accumulation of personal credit card as a tool, and not to Cards are tired, as “negative.” irrational not to use the card for future employment, consumption and other unnecessary trouble 。”(

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