Basically all banks can apply for bank cards for 15-year-old children, but they can only apply for bank debit cards, not bank credit cards. It should be noted that when applying for a bank card, a 15-year-old child needs to be represented by a legal guardian. When applying, they need to provide proof of relationship such as ID cards and household registers of both parties.
If the user is over 16 years old, he can apply for a debit card at the bank with his personal ID card or account book, but he cannot activate the online banking function. Online functions can only be activated after the user reaches the age of 18, and they can apply for a credit card after they become an adult.
Bank cards are generally divided into debit cards and credit cards. Debit cards cannot be overdrafted and have the functions of transfer, cash deposit and withdrawal, and consumption. A credit card means that the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and then repay. Never overdue your credit card repayments, otherwise penalty interest will accrue.
When applying for debit cards, they are generally divided into first-class cards, second-class cards and third-class cards. You can only apply for one type one card, and there is no clear limit on the number of type two cards. However, one ID card cannot apply for more than 4 savings cards at the same bank, which means that a maximum of 4 type two cards can be applied for. , on the premise of not applying for other types of cards.
Category 1 cards have the highest permissions and can deposit and withdraw cash, manage finances, transfer, pay bills, etc. The daily limit for Class II cards is 10,000 yuan, and the annual limit is 200,000 Yuan. Class I cards have no limit; the balance of Class III cards cannot exceed 1,000 Yuan, the daily limit for consumption and payment is 5,000 Yuan, and the annual cumulative limit cannot exceed 100,000 yuan.
1. Steps to apply for a bank card
Specific steps: 1. You must bring your ID card to a business outlet for application. 2. After entering the bank lobby, go directly to the consultation counter and tell the staff that you need to apply for a bank card. The staff will give you some forms to fill in truthfully. 3. After filling out the form, a staff member will take your ID card to make a copy. If you prepare a copy of your ID card in advance, you can save time on temporary photocopying. 4. After getting a copy of your ID card, you need to go to the numbering machine to get the numbering ticket, and then you can sit and wait for the business to be processed. 5. When the counter calls your number, you need to bring your filled-in form and a copy of your ID card to the corresponding counter. It should be noted that you need to pay the bank card processing fee and deposit 10 yuan in advance. It’s a new card, so it’s better to bring cash of 50 yuan or more. 6. After you enter your password and get your bank card, the card application business is over. 7. Many banks now have self-service card issuance machines. You only need to insert your ID card. The self-service card issuance machine will automatically read the identity information and conduct identity verification in the public security agency's system. Applicants only need to fill in the self-service card issuance machine and ask for information such as correspondence address, postal code, and mobile phone number. After selecting the business, the machine will activate the camera to take photos of the applicant and enter their fingerprints. Subsequently, the machine requires the applicant to enter a password. After entering the password twice for confirmation, the machine will spit out a self-service card issuance confirmation. The applicant signs the confirmation, so that the card can be successfully obtained. There is no need to pay extra to apply for online banking. You only need to tell the sales staff at the counter that you want to open online banking after applying for the bank card.