Answer: College students can indeed apply for credit cards, but the credit cards they usually apply for are different from ordinary credit cards. The main difference is the initial limit of the credit card. Generally, the first credit card limit for college students is often only a few hundred yuan. In order to meet the special needs of college students, banks have launched a series of credit cards specifically for college students, such as Agricultural Bank of China's U Card, Industrial and Commercial Bank of China's Peony Card, China Merchants Bank's YOUNG Card, and CITIC Bank's College Student I Card. Designed specifically for college students, these credit cards offer more flexibility and convenience.

In terms of application method, the most common way for college students is to apply directly through the bank’s credit card clerk. This method is simple to operate, and sometimes banks will also provide some preferential policies, such as points or small gifts, to attract young users. Generally speaking, college students can apply for credit cards, but the limit and choices may be subject to certain restrictions. It is suitable for students with financial awareness and reasonable consumption habits.