循环信用卡

在房贷和车贷之后，作为既是日常生活消费的支付工具，也是非计划性（non－target）循环贷款的信用卡业务，从2003年开始就吸引了各中外商业银行的眼球。

Being the instrument of payment in daily consume and the non-target revolving loan , the business of credit card , since 2003 , has attracted the attention of commercial banks at home and abroad following loans of motors and houses .

银行发行的具有循环授信特征的信用卡，历来是在严格的资信审核前提下稳健发展的，作为没有固定收入的消费群体&大学生，一直以来都被银行拒绝于信用卡的申请门槛之外。

The credit card issued by the commercial bank with the characteristic of credit cycle maintains a sound development under the strict review of the applicants ' material . Hence , the college students , as a consumer group without fixed income , are excluded from the credit card application .