There is no age limit for using credit cards. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Extended data

According to the application materials, the bank will review the applicant's various information and economic situation to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

At what age can I use a credit card?

Credit cards can be used until the age of 80.

Because the age 18-65 meets the requirements for applying for a credit card,

After the credit card expires,

The bank will approve whether to issue a new card according to the card usage.

If it meets the requirements, a new card will be mailed before the expiration.

The term of credit cards issued by domestic banks is generally 3-5 years. The specific period of validity and the procedures for card replacement at maturity depend on the regulations of the credit card issuing bank you apply for and the specific card type.

Many banks will automatically handle the card for you before the credit card expires 1 month and send it to the cardholder according to the original billing address. There is no need to pay any fees during the card replacement process. If you don't need to continue using the card, you need to call the bank customer service one month in advance to explain that you won't change the card, and then return the card and cancel the account. Some banks such as Shanghai Pudong Development Bank will re-examine the qualifications of cardholders, and those who fail will not renew their cards.

The validity period of a credit card is directly printed on the card face, which is indicated by "month/year" at the lower right of the cardholder's name. For example, if the expiration date on the card face is marked as "10/ 16", it means that the credit card will expire on 20 16 10 3 1. The validity period of bank credit cards is generally 3 years, and that of individual banks is 5 years, counting from the date of card verification (generally printed on the card surface). After the expiration of the validity period, the bank will decide whether to let customers continue to use credit cards according to their previous use of credit cards.

But now many banks have automatic card replacement service, so as long as the credit card is used normally, the bank will automatically issue a new card to the cardholder when it is about to expire, and the cardholder only needs to pay attention to checking.

Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.

From 0: 00 on August 29th, 20 19, when using the credit card repayment function, 0. 1% of the actual repayment amount will be charged for each credit card repayment, and the user will pay both the repayment amount and the handling fee.

How long can I use the credit card?

There is no limit to the use period of credit cards. Only by applying, in principle, it can still be used alive.

The age limit for credit card applications is 18 to 60, but some banks are 65. Although in principle you can apply for a credit card at the age of 60. However, the threshold for applying for a credit card at the age of 60 is higher. Bank cards will consider the user's property and living conditions, and conduct a strict investigation before issuing credit cards.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

So much for the introduction of how long the credit card can be restored.