According to Article 44 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks promulgated by CBRC, card-issuing banks shall not issue credit cards (except supplementary cards) to customers under the age of 18.
The staff of Taiyuan Central Sub-branch of the People's Bank of China said: "According to this regulation, the state only manages the credit card business with a minimum age, that is, anyone above 18 can apply, and there is no upper age limit. The' regulations' that banks keep the elderly out of credit card applications are made by themselves, mainly to control possible risks. "
Extended data:
Dong Wang, director of the credit department of a state-owned bank in the provincial capital, said: "Many elderly people have better financial situation than young people. The reason why banks restrict the elderly from applying for credit cards is not because of credit problems, but because of the risks brought by the health of the elderly.
If the cardholder dies and has no fixed property, the account owed by the credit card will become a dormant account. At the same time, the elderly have poor anti-fraud ability, and when they encounter fraud, they will withdraw money from credit cards, causing losses.
Banks set the age limit for applying for credit cards at 60, which only shows that banks will not actively promote credit cards to the elderly. If some elderly people with good economic conditions and stable income apply for credit cards, banks may not refuse them.
If the elderly need to use a credit card, they can ask their children to apply for a supplementary card. The risk of handling the secondary card is low, and the credit line of the main card can be shared, and the cardholder of the main card bears all the repayment responsibilities. "
Life Morning News-People over 60 can't apply for credit cards.