In different regions, the card is issued with different specifications. For example, one bank may issue it as a debit card, while another may issue it as a credit card. It is most commonly issued as a debit card. In this case applying for a credit card requires the applicant to present some proof of regular income (such as an employment certificate) or financial assets invested elsewhere. In countries that have stricter criteria for issuing credit cards Visa Electron has become popular with younger people and students alike due to much lower requirements and low fees.