You can apply for a card at a self-service bank. In order to facilitate customers to handle related businesses without waiting in line, most banks have begun to popularize self-service bank card application services, such as Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, etc. In some 24-hour smart banks such as Agricultural Bank of China and Industrial and Commercial Bank of China, you can use your own ID card to apply for a card at a self-service card machine without any charge.

The process for applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or household registration book or copy of household registration book), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures and fill out the application. Form, the information filled in must be true.

After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take about 20 working days before the card can be issued to the customer. Credit cards are only available to customers who are 18 years of age or older. Minors are not allowed to apply for credit cards.

Applying for a debit card is relatively simple. You only need to bring your valid documents (ID card or household registration book) and fill out the application form at the bank where the account is opened. The card can be issued to the applicant at that time.

There is no age limit for debit card application, and minors can also apply. When customers under the age of 16 apply for a debit card, their guardian must go to the counter of a bank outlet with their account book (if they are not in the same account book, relevant proof is required), and the person being processed does not need to be present.

Minors who are over 16 years old but under 18 years old, if they are already working, can go to the bank counter with their work certificate and ID card to apply for a debit card. If they are not working, The guardian still needs to assist in the process, and the person being processed does not need to be present; the handler who is 18 years old or above can directly go to the counter of a bank branch or the self-service card application machine with his or her ID card to apply for a debit card, and get it immediately.

According to national regulations, debit cards issued by minors do not have the function of online banking and cannot be bound to mobile payment software.

In December 2015, the China Banking Regulatory Commission issued the "Notice on Matters Concerning the Banking Industry's Combating New Illegal Crimes in Telecom Networks" (hereinafter referred to as the "Notice"). The "Notice" stipulates that starting from January 2016 Starting from the 1st, in principle, the same customer cannot open more than 4 debit cards at the same institution (excluding social security cards).

At the same time, the "Notice" also stipulates that "the same agent shall not issue more than 3 cards at the same commercial bank in principle. Debit cards issued by an agent require the agent to present his or her valid identity document at the counter. It can be used only after the face-to-face card is activated. "