Age is indeed an important factor in measuring credit card application qualifications in the financial field. Generally, young people aged 20 can apply for a credit card, but this is not absolute and depends on the specific requirements of the bank and the individual's qualifications.

First of all, banks usually set the age range between 18 and 65 years old, and having full civil capacity is the basic condition. This means that applicants need to have independent decision-making ability and the ability to assume legal responsibility. Secondly, credit record is crucial. Banks will examine the applicant's creditworthiness and whether there is a bad credit history. This is the key to assessing risk.

In terms of income, banks value a stable source of income and the ability to repay on time. This means that applicants need to have stable salary income or legal proof of economic income, such as pay stubs, tax certificates or bank deposit certificates, etc., to prove that they have sufficient repayment ability.

During the application process, applicants need to prepare some necessary supporting documents, such as ID cards (residents from mainland China must provide a copy of their resident ID card, and Hong Kong, Macao, Taiwan and foreigners must provide corresponding documents and residence certificates), and Proof of employment and financial resources. Proof of employment such as work certificate issued by the unit, salary slip or social security payment record. Proof of financial resources may include bank deposit certificate, real estate certificate or car driving license, etc.

In general, as long as 20-year-olds meet the above conditions, have sufficient proof of income and a good credit record, they can apply for a credit card. However, each person's specific situation may be different, and it is best to consult your bank directly for the most accurate application guidance.