In fact, most banks are basically limited to the age of 18 to 65, and some banks also require 18 to 60. In addition, applying for a credit card requires a stable source of income. According to the current retirement age, the elderly over 65 have no wage income, and the expenses for medicine and illness are also very high. Coupled with the security considerations of using cards, elderly people over 65 cannot apply for credit cards. However, with the increase of retirement age, the future retirement age may reach 70 years old. At that time, the bank may adjust the age range of card application according to the change of policy, but at present, people over 65 can't apply for a card.