For children under the age of 16, banks provide specially designed bank card services, such as icBC's Baby Growth Card, Bank of Communications' Pacific IC Children's Card, Minsheng Bank's Children's Charge Card, China Merchants Bank's Happy Partner Card and China Bank's Great Wall Youth Card. The process of handling children's bank cards is relatively simple. Parents only need to take their children to the business hall of the bank, explain to the staff that they need to handle children's bank cards, and show their children's ID cards and household registration books to prove the guardianship relationship. If the child has already applied for an ID card, it also needs to be presented together.

However, the functions of children's bank cards are relatively basic, mainly limited to the basic services of ordinary savings cards, such as deposit, withdrawal, consumption and transfer. These bank cards are usually associated with parents' cards to form parent-child accounts. It is important to make it clear that children's bank cards are actually debit cards, not credit cards, because the legal age for applying for credit cards is 18, and applicants need to have full civil capacity. For children over the age of 14 or 16, you can consider applying for a supplementary credit card for their immediate family members, while children over the age of 16 can apply for a savings card in the bank directly with their ID cards without relying on guardians.