How to apply for a credit card for a minor

How to apply for a bank card for a minor; Minors who have reached the age of 16 and have ID cards can bring their ID cards to the bank to apply for a bank card; 16-year-olds who don't have an ID card just take the household registration book. If you are under the age of 16 and have no ID card, you should be represented by your legal guardian.

Credit card:

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, a credit card refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

Interpretation:

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, a credit card refers to all kinds of media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

Can I apply for a credit card under the age of 18?

According to the regulations of UnionPay, you can't apply for a main credit card under the age of 18, but you can apply for a supplementary card for your parents or immediate family members if you are over the age of 16. The three basic conditions for handling a credit card master card are:

1. Age: between 18 and 65 years old, with full capacity for civil conduct;

2. Credit conditions: good credit, no bad credit record;

3. Income conditions: it has a stable source of income and can guarantee repayment on time every month;

The age requirement for applying for a credit card is strict. Minors and retired employees are not allowed to apply for a credit card. I hope you will wait patiently for a few more months before applying for a credit card.

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You can't apply for a credit card master card under the age of 18. I hope you can wait for a while and apply again when your age meets the requirements.