Hello, that is correct. Credit card applicants must be over 18 years old and not over 70 years old; applicants must be over 13 years old to apply for a supplementary card. If the supplementary card applicant is under 18 years old, his or her legal guardian must sign and approve the application form. Primary card applicants can also apply for supplementary cards for their spouses, children, parents and relatives. Each main card can apply for up to three supplementary cards.

1. Credit cards have many advantages, and capital turnover is only one of them: Create personal credit. Credit card points can be used as cash. Generally, you can redeem the gift in full online. You can also use points to exchange for airline miles, and then exchange them for air tickets, or points for star hotels, Starbucks, movie tickets, etc. In order to promote credit cards, banks will also give many benefits, such as backpacks and suitcases for newbies, free insurance every year, free physical examinations, free West Asia, free airport parking, and will also cooperate with merchants and have regular discounts every month, such as every Wednesday. Discounts of 15% off, 100 yuan in exchange for 90 yuan vouchers, and half-price movies are exclusive to credit cards. Debit cards have never given you discounts like this. They spend real money, nothing less.

2. It is convenient for auditing. Accounting is a very tedious thing. If you use credit cards for daily consumption, such as Alipay and WeChat, which are bundled with credit cards, supermarket shopping or Taobao shopping, then the consumption records You can then prepare the monthly bill and send it to the merchant accurately, or you can manually rewrite it on the APP, saving a lot of trouble. International Payment Convenience Debit card is not so easy to achieve overseas consumption, even overseas online consumption is difficult, because most of them use the consumption channels provided by visa/MasterCard, and only a few websites support UnionPay cards. Some international exams, such as CISA and CISSP, require U.S. dollars to be deducted directly through visa/MasterCard channels. Debit cards cannot be used, but credit cards issued by domestic banks can. If you are spending money abroad, it is best to prepare an international credit card.

3. Pre-authorization reduces transaction costs. One of the more important functions of a credit card is "pre-authorization". Read the encyclopedia explanation: Pre-authorization business refers to a business in which a special merchant obtains a payment commitment from the card issuer within 30 days that does not exceed a certain proportion of the pre-authorized amount, and the card issuer accepts goods or services after the cardholder obtains the payment commitment. them. Generally speaking, it is a business that freezes part of the funds in the bank card as a deposit, and then settles it based on the actual consumption amount. Don't underestimate this feature, it is very useful for personal fund flow. So don’t fall into the pitfalls of credit cards. If you use a credit card, you must avoid going to card slaves.