Generally speaking, you must be 18 years old to do it. At the same time, banks will set an upper age limit, generally around 60 years old. In other words, it is difficult for customers over 60 to get a credit card unless you have superior application qualifications.

In addition to the age requirement, the conditions for applying for a credit card include: having a stable job and income, and the necessary application documents are copies of identity certificates and work certificates. If you can provide other financial documents, it will be more helpful for banks to understand your personal situation and judge the credit limit.

Taking Ping An Bank as an example, the detailed application materials for handling credit cards are as follows:

1, identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of the military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level.

Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc. The credit card verification status will be subject to the final audit results.

At present, credit cards can't transfer money, because unlike savings cards, their main function is to spend first and then repay. Credit cards are mainly used for swiping cards and withdrawing cash.

So don't transfer the extra money to the credit card. There is no interest on the money stored in the credit card, and a certain fee may be charged when it is taken out. Because banks think that putting money in the credit card requires a management fee to temporarily use their own resources, most banks have to pay a certain fee to take out the money stored in the credit card.

If funds are needed, it is generally not feasible to transfer funds to other accounts by credit card. Online or ATM machines can't transfer money directly. You can withdraw money first and then transfer it to other accounts, but as mentioned above, the handling fee and interest of credit card withdrawal are high, and there is no interest-free period for credit card withdrawal, so the final handling fee is not cost-effective.

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How old can I get a credit card?

Generally, each bank has different rules for handling credit cards. Generally, your salary level will be required to reach a certain standard. He will set a certain overdraft limit according to your income to see if you have a bad credit record. It is impossible to do it when you are old. Credit card processing conditions: you must be at least 18 years old to apply for a credit card, and you can apply for a credit card if you have a stable income or other economic proof.

I. Conditions for applying for a credit card: 1. At least 18 years old; 2. Need my second-generation ID card; 3. There is a work certificate and income certificate stamped with the financial chapter of the unit; 4. No bad credit record; 5. Other financial certificates, such as real estate, automobiles, stocks and bonds.

2. Credit card application process: 1. Fill in the application form; 2. The information of the bank itself and a copy of the information; 3. The bank sends it to the credit card center; 4. The credit card center conducts audit, business card printing and card issuance; After getting the card, I opened the card and waited for the password letter.

Third, 16 years old can apply for supplementary cards. Because credit cards have the function of overdraft, that is to say, you can shop by credit card without money, so not everyone can apply for credit cards, and banks only issue credit cards to people they think are honest. Compare and see if you meet the requirements of issuing credit cards by banks: your age is between 18 and 65; Have a stable occupation and income; Have good credit and the ability to repay the principal and interest on time; A natural person with full civil capacity.

4. If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, the following conditions must be met: 1, a natural person with full capacity for civil conduct or limited capacity for civil conduct, 13 years old or above 16 years old or below, and a copy of the household registration book must be provided when applying.

Most banks have set strict age limits for applicants applying for main credit cards, and even some banks have age limits for applicants applying for supplementary cards. CCB, people over 70 years old can't apply for CCB credit card primary card and secondary card. It is clearly stated in the application form of CCB's credit card that the basic requirement of the applicant is that the age is between 18-70 years old. China Merchants Bank and credit card applicants are 60 years old, and they are required to be on-the-job employees. Retirees cannot apply. Supplementary card applicants must not be over 60 years old. There are also clear tips on the application form of China Merchants Bank's credit card. Xingye, elderly people over 60 years old cannot apply for Industrial Bank credit cards in principle. There is no age requirement for supplementary cards. Bank of Beijing, people over 65 with credit cards will no longer apply. Customers over 65 cannot apply for supplementary cards.

How old can I get a credit card?

Bank cards are divided into credit cards and savings cards. Generally, 16 years old can apply for a savings card (at any bank counter with ID card), and 18-60 years old can apply for a credit card.

Related knowledge of handling credit cards:

In most cases, citizens with full capacity for civil conduct (citizens aged 65,438+08-60 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank.

2. Handling a bank credit card: As long as the applicant works in the company (that is, has direct financial resources) and is over the age of 18-60, he can issue a work certificate and income certificate to the bank (at present, Guangfa Credit Card does not need to issue a work certificate, as long as the cardholder has shifts in one place, he can contact the card handler to handle the Guangfa Bank credit card on time).

How old can I get a credit card?

If it is a credit card sub-card, the minimum age is 13, and a copy of the household registration book is required to apply for a sub-card below 16; To apply for a credit card master card, the basic age requirement is 18~60 years old. Different cards will adjust the application age according to the actual situation. Please refer to the age of credit card application published by the bank. There are some special cards, and there are special restrictions on the age of application.

Generally speaking, adult users can choose to apply for a primary credit card, and minor users can apply for a secondary credit card of their parents' credit card.

To apply for a credit card, you must be 18 years old. The specific conditions for handling credit cards are as follows:

1. The person in charge is between 18-60 years old and has full capacity for civil conduct;

2. The manager has a good reputation. No bad record;

3 handling personnel have a stable job and economic income, and have the ability to repay the loan principal and interest on time;

4. The handler has a valid identity certificate (ID card) and proof of financial resources (copy of bank running water or real estate license in the last six months);

5. The agent has proof of residence, such as a copy of the household registration book.

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How long can a bank credit card be used in China?

All China citizens with full capacity for civil conduct, legally stable income, foreigners with the right of abode in China and compatriots from Hong Kong, Macao and Taiwan who are between the ages of 18 and 65 can apply for China Bank Credit Card locally.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

This is the end of the good introduction about how big a credit card can be, and how big a credit card can be. I wonder if you found the information you need from it?