16-year-olds are not allowed to apply for a credit card. You need to be over 18 years old to apply for a credit card. It should be noted that generally applicants who have just turned 18 may not be able to apply for a credit card. When approving a credit card, banks will focus on the repayment ability of the card applicant. Unless the card applicant has sufficient proof of assets or stable income, it will be difficult to pass the approval.