You can apply for a credit card if you are 18 years old, but you need to provide relevant information to prove your repayment ability and identity information. At the same time, criminal liability will be pursued for holding and transporting counterfeit credit cards or fraudulently obtaining credit cards with false identity documents. In addition, the husband's credit card debt does not affect the divorce procedures. The debts jointly borne by the husband and wife during the divorce should be repaid jointly, and property issues can be resolved through negotiation.

1. Can I apply for a credit card if I have just turned 18?

You need to be over 18 to apply for a credit card. It is easier to get approved by China Everbright and China Merchants Bank.

However, under normal circumstances, if you have just turned 18 and apply for credit card approval, it is easy to be rejected because there is no proof of repayment ability and qualifications.

To apply for a credit card, you need to prepare the following information: 1. Proof of identity of the applicant.

2. Proof of ability to repay, proof of work (work certificate, work certificate issued by the unit, copies of professional titles, professional qualification certificates and other materials); proof of income (salary records issued by the bank, salary records issued by the unit) Copies of income certificate, bank's time deposit certificate, income tax withholding certificate and other documents).

3. Proof of residence, such as the latest payment slip for landline phone, home address water, electricity or gas bill, etc.

4. Proof of assets: copies of credit cards from other banks and copies of the last three bills; proof of self-owned housing (copies of self-owned real estate certificate, self-owned housing mortgage down payment voucher, etc.) ; Proof of self-owned vehicle (copy of vehicle driving license in the applicant’s name).

How to apply for a credit card when you are 18 years old? The first requirement for applying for a credit card is to be over 18 years old. To start the application process, you can follow the steps below. First, choose a credit card issuer, such as a bank or financial institution. Then, learn about the institution’s credit card application requirements and process. Typically, you will need to fill out an application form and provide personal identification documents, proof of income and other relevant materials. Please make sure to provide accurate and complete information. After that, submit the application and wait for approval from the agency. Once approved, you will receive your credit card and can start using it. Remember to manage your debt responsibly when using credit cards and make your payments on time to maintain a good credit history.

Legal basis:

"Measures for the Supervision and Administration of Credit Card Business of Commercial Banks":

Chapter 4 Management of Card Issuance Business Article 71 Card-issuing banks shall not transfer credit cards to Core businesses such as card issuance marketing, contract (agreement) signing, credit approval, transaction authorization, transaction monitoring, and fund settlement are outsourced to card issuance service agencies.