Credit cards that can be applied for by 16-year-olds

16-year-olds cannot apply for credit cards. To apply for a credit card, you need to be over 18 years old, and you must have a stable job and financial income.

The conditions for applying for a credit card are as follows:

1. The applicant must be over 18 years old and have full civil capacity and the ability to repay debts. For college students, to apply for a college student credit card, you need to bring your ID card and student ID card, and you can go to the bank to apply for a credit card.

2. Have a stable job and income, and provide corresponding proof of income.

3. The personal credit status is good and there is no bad credit record.

4. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department, and have a guarantor or guarantor company with the ability to guarantee.

I am a student under 16 years old, can I apply for a credit card?

Under 16 years old can apply for a bank debit card, but cannot apply for a bank credit card. When a minor under the age of 16 applies for a debit card, a legal guardian should apply on his or her behalf. Both parties need to be provided when applying. Proof of relationship such as ID card and household register.

If you are over 16 years old, you can go to the bank to apply for a debit card with your ID card or account book, but you cannot activate the online banking function of the bank card. After you are over 18 years old, you can activate the online banking function and you are an adult. You can then apply for a credit card.

Can I apply for a credit card if I am over 16 years old?

You can apply for a supplementary credit card if you are 16 years old. If your relative has a primary card and agrees to apply for a supplementary card, you can apply for it. However, you cannot apply for the main card. You can only apply for the main card after you are over 18 years old and meet certain card application conditions.

Can I apply for a credit card if I am 16 years old?

You cannot apply for a credit card if you are 16 years old. According to the relevant regulations of each bank, only those who are 18 years old or above can apply for a credit card. Conditions for applying for a credit card:

The minimum application age specified by the bank is 18 years old, and the maximum application age is 60 years old;

My second-generation ID card is required;

Yes Proof of employment and income certificate stamped with the financial seal of the unit;

No bad credit record;

Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Materials required to apply for a credit card:

Applicant’s ID card;

Credit card application form from the bank;

Employment certificate and Proof of income stamped with the financial seal of the unit;

Individuals and private entrepreneurs need individual business licenses and tax bills for the past three months;

Other financial resources proof: income tax withholding certificate; self-owned A copy of the real estate certificate; a copy of the driving license of your own car.

Credit card application process:

Fill in the application form;

Give the bank personal information and a copy of the information;

Send it to the bank To the credit card center;

The credit card center will review, print and issue the card;

After I get the card, I will open it and wait for the password letter.

To sum up, credit cards can only be applied for by those over 18 years old, but not by those over 16 years old. Please consult your local bank for details.

Can minors apply for a credit card?

No.

Minors cannot apply for a credit card on their own, because the first condition for bank credit card application is that the applicant must be a natural person who is over 18 years old and has full civil liability, but he can apply for a credit card. Supplementary Card. You can ask your legal guardian to apply for a credit card, and then use a relative's credit card supplementary card.

1. Credit card application conditions:

1. Over 18 years old;

2. Have a fixed job and stable income, and the workplace is generally in the place of permanent residence Urban and rural residents;

3. Fill in the application form and sign in the "Applicant's signature" area;

4. Have good credit and no overdue credit cards;

2. Information required to apply for a credit card:

1. Copy of identity document, work certificate, income certificate, etc.;

2. Provide bank deposit slip, Real estate certificate, degree certificate, etc.;

3. For those with overseas residence, overseas personnel applying for local jobs, and active military officers applying for credit cards in their own names, some card-issuing banks may require a credit card issued by the local public security department. Temporary household registration or certificate issued by relevant departments (including work certificate).

4. Other conditions required by each card-issuing bank.

3. Minors applying for bank cards

1. Debit cards

At present, all banks basically support minors applying for ordinary debit cards. Because bank cards are all processed in real names, minors generally need to be accompanied by their guardian when applying for a debit card, and bring the guardian's valid ID, the applicant's valid ID, and proof of guardianship relationship, such as household register, birth certificate, etc., by The guardian handles this on your behalf. Each bank has slightly different requirements for minors to apply for debit cards. Parents can confirm the application conditions through bank customer service before going to a bank branch.

2. Credit card

Credit cards have an overdraft function. Even if an adult applies for a credit card, the bank needs to make a judgment based on the applicant's comprehensive assets. Minors generally have full civil capacity and no fixed source of income, so banks basically do not support minors applying for credit cards. Banks generally limit the application age for credit cards to 18-60 years old.

Can a 16-year-old apply for a credit card?

When handling many things in our country, there are regulations that minors cannot handle. The main reason is that minors do not have complete civil rights. behavioral capacity.

In our country, minors refer to citizens who are under 18 years old. Those who are over 16 years old have full capacity to act. Therefore, many businesses will also be handled by people who are 16 or 18 years old. Age restrictions.

We also have age restrictions when applying for bank cards at banks. Generally, if a user is under 16 years old, he cannot apply for a bank card by himself, but a legal guardian can do it on his behalf.

If the user is over 16 years old and has an ID card, he or she can apply for his or her own bank card. Generally, the specific procedures for bank card application for minors are as follows:

1. The bank card holder needs to go to the bank with his or her guardian to apply for the bank card;

2. When applying for the bank card Guardians need to provide their own valid identity certificates and relationship certificates (for example: household register);

3. Bring relevant documents and apply directly to the bank.

Generally, different banks have different regulations on minors applying for bank cards.

Therefore, when users go to the bank for processing, they can call the official customer service number of the bank they want to handle in advance to inquire about the specific documents and information they need to bring, so as not to delay their time and processing cycle.

Although minors can apply for bank cards on their behalf or by themselves after reaching the age of 16, minor users can only apply for their own savings cards and cannot apply for credit cards.

A credit card requires users who are over 18 years old and have stable income and financial ability to apply for it. Therefore, even if the user is over 16 years old, they can apply for a bank card by themselves, but they can only apply for a savings card. .

The bank cards we generally talk about mainly include debit cards and credit cards. The first condition for credit card application is that the user needs to be an adult, and adults may not be able to successfully apply for their own credit cards.

That’s it for the introduction of whether a 16-year-old can apply for a credit card.