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Can I apply for a credit card at the age of 16?
There is a certain age limit for handling credit cards. According to the regulations of UnionPay, the main card for handling credit cards must be people aged between 18 and 65. If you are handling supplementary cards for credit cards, you can apply for them at the age of 16, but it must be the main card for your parents or immediate family members.

since you are still a minor and have no full capacity for civil conduct, the success rate of handling credit cards is almost zero. Under normal circumstances, it is stipulated that a person who applies for a credit card must meet the following three basic conditions:

1. Age: between 18 and 65 years old, with full capacity for civil conduct;

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

3. Income conditions: having a stable income source and being able to guarantee repayment on time every month;

In addition, the required supporting documents are:

1. Applicant's identity certificate (required)

A copy of the ID card of a domestic person-resident;

A copy of the Mainland Pass for Hong Kong, Macao and Taiwan compatriots-Hong Kong and Macao residents, the Mainland Pass for Taiwan Province compatriots and the residence endorsement or multiple round-trip endorsement;

foreigners-copies of passports, residence permits or employment certificates of the countries to which the foreigners belong;

2. Work certificate (at least one of them must be provided)

For example, the original official work certificate issued by the work unit, the original work card or business card with comprehensive information, the name of the unit, the name of the applicant and the social security/medical insurance/provident fund certification materials that have been paid in the last three months, etc.

3. Proof documents of financial income (optional, which will help to increase the quota)

For example, the original or photocopy of the salary records issued by the bank, the income certificate issued by the unit, the income tax withholding certificate, the self-owned real estate license/house purchase contract/bank mortgage repayment schedule, the self-owned car driving license, the bank deposit certificate and other materials.

You can understand these requirements now, and it is not too late to apply for a credit card when you are an adult and have strong financial ability. I hope my suggestion can be adopted.