According to the regulations of UnionPay, 18 can't apply for a credit card master card, because after adulthood, it will have an independent economic foundation to ensure the repayment rate. However, if you are over 16 years old, you can apply for a supplementary card for your parents or immediate family members.

Now the habit of online shopping is sinking towards younger age, and more and more students choose online shopping, so the demand for credit cards is also rising. The age requirement for handling credit cards is strict, and minors and retired employees are not allowed to handle credit cards. You can wait until you are old enough to apply for a credit card. According to the regulations of UnionPay, 18 can't apply for a credit card master card, because after adulthood, it will have an independent economic foundation to ensure the repayment rate. However, if you are over 16 years old, you can apply for a supplementary card for your parents or immediate family members.

Generally speaking, people who have just reached the age of handling credit cards have limited credit cards, and banks will evaluate customers' repayment ability according to their assets. College students often have no fixed income, so the amount of overdraft is very limited. Of course, with the expansion of the credit card market and the competitive pressure among banks, the credit card quota is also moderately relaxed to attract more users.

The three basic conditions for handling a credit card MasterCard are:

1, age: 18~65 years old, with full capacity for civil conduct;

2. Credit conditions: good credit and no bad credit record;

3. Income conditions: there is a stable source of income, which can guarantee timely repayment every month.