But you can only handle debit cards, not credit cards. Credit cards generally need to be 18 years old to apply. When a child handles a debit card, the legal guardian should open a bank account on his behalf, and provide the guardian's valid ID card and the account user's ID card or household registration book. Minors need a guardian to accompany them when they apply for bank cards in any bank. They just need to bring their household registration books to the bank counter for help from the staff. Minors can apply for savings cards and debit cards, but not credit cards and online banking.