Old people can apply for credit cards, but in the case of non-standardization, it is best not to apply for old people's credit cards, because all old people do not have strong repayment ability.
If children want to apply for a credit card for the elderly, I suggest that they continue to apply for a secondary credit card for the elderly, which means that children can let the elderly share their credit card limit. If the elderly have consumer demand, the elderly can directly use their own credit card limit. If the elderly want to handle credit cards independently, in fact, many banks will have restrictions.
First, the elderly can apply for credit cards in principle.
If the elderly are under 60 years old, still working and have a stable income level, they can go to the bank to apply for a credit card. Although banks have no specific restrictions on the age of users in principle, many banks will not accept the business of elderly people applying for credit cards. I suggest you consult the bank staff in advance and ask whether the bank can handle credit cards for the elderly.
Second, the elderly can apply for supplementary cards for their children.
If the elderly have consumer demand, the easiest way is for the elderly to get a supplementary card for their children, and the children can share the quota with the elderly around them. The main body of a credit card is generally a child. For most elderly people, due to the unstable health status and income level of the elderly, there are potential hidden dangers in handling credit cards for the elderly, so most banks will not directly handle credit card master cards for the elderly.
Third, it is unsafe for the elderly to apply for credit cards.
For a long time, the elderly are often harassed by all kinds of telecommunications, and they are also very easy to be deceived by criminals. Personally, it is not safe for the elderly to apply for credit cards, which will not only bring potential economic hidden dangers, but also lead to economic losses for the elderly. For children, I suggest that children reasonably control the consumption behavior of the elderly, and it is best not to apply for credit cards for the elderly. If it is not necessary, you can apply for a special credit card for the elderly here, so that your children can not only know the consumption situation of the elderly, but also avoid the funds of the elderly being cheated by bad elements.
Can a 60-year-old get a credit card? You'll know after reading it
The overdraft consumption function of credit cards has brought a lot of convenience to people, so many people want to apply for credit cards. However, every bank's credit card has an age limit, and it will not be processed if it exceeds the prescribed age. So, can a 60-year-old get a credit card?
Can a 60-year-old get a credit card?
First of all, it depends on the age limit imposed by banks on applicants, and the standards of each bank are different.
For example, the highest application age for banks such as Agricultural Bank, China Merchants Bank, Shanghai Pudong Development Bank, Minsheng Bank and Industrial Bank is 60 years old; ICBC, Bank of China, Bank of Communications, China CITIC Bank, China Guangfa Bank, Ping An Bank, China Everbright Bank, and Huaxia Bank have the highest application age of 65; The maximum application age for China Construction Bank is 70 years old.
However, even if the age meets the requirements, the elderly may still be refused a credit card.
There are mainly the following reasons:
1, lack of spending power: 60-year-olds are generally frugal, even if they have credit cards, they don't always use them, and their spending power is definitely not as good as that of young adults.
2. Economic income is unstable: people aged 60 are generally retired. Some people may have pensions, while others have no stable source of income. If they have no money to repay after spending with their credit cards, it will be very troublesome. Banks certainly don't want bad debts.
3. Poor health: Many people reach the age of 60, and their health is not as good as before. They often have all kinds of small problems. If they have an accident when they swipe their credit cards, the bank can't find anyone to make up the money they owe. Unless the old man has an inheritance from his children, the bank may ask the father to pay it.
4. There are certain risks: people who are 60 years old are more likely to be deceived. Once the credit card is targeted by criminals, they may try their best to defraud the personal information of the credit card and steal it.
Can people over 70 apply for a credit card?
Old people over 70 years old will not succeed in applying for a credit card master card, because the upper age limit for credit card application is generally 60 years old. Older people over 70 can apply for a supplementary card for their children's credit card. The secondary card only has the minimum age requirement, and there is no maximum age limit. Therefore, people over 70 years old are suitable for handling credit card sub-cards. Of course, the credit card sub-card enjoys the same rights and interests as the main card, except that the credit limit is given by the cardholder of the main card, and the available credit limit is not as high as that of the main card.
The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and 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 according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards. From the date of 202 1 1 1, the credit card overdraft interest rate is 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 is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 20021year, the Supreme People++promulgated and implemented the Provisions of the Supreme People++on Several Issues Concerning the Trial of Civil++Cases of Bank Cards.
Can people in their sixties and seventies still apply for credit cards?
Of course.
Citizens with full capacity for civil conduct (Chinese mainland/KLOC-citizens aged 0/8) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Extended data
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.
Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Baidu encyclopedia-credit card
Can I apply for a credit card at the age of 60?
First of all, it depends on the age limit imposed by banks on applicants, and the standards of each bank are different.
For example, the highest application age for banks such as Agricultural Bank, China Merchants Bank, Shanghai Pudong Development Bank, Minsheng Bank and Industrial Bank is 60 years old; ICBC, Bank of China, Bank of Communications, China CITIC Bank, China Guangfa Bank, Ping An Bank, China Everbright Bank, and Huaxia Bank have the highest application age of 65; The maximum application age for China Construction Bank is 70 years old.
However, even if the age meets the requirements, the elderly may still be refused a credit card.
There are mainly the following reasons:
1, lack of spending power: 60-year-olds are generally frugal, even if they have credit cards, they don't always use them, and their spending power is definitely not as good as that of young adults.
2. Economic income is unstable: people aged 60 are generally retired. Some people may have pensions, while others have no stable source of income. If they have no money to repay after spending with their credit cards, it will be very troublesome. Banks certainly don't want bad debts.
3. Poor health: Many people reach the age of 60, and their health is not as good as before. They often have all kinds of small problems. If they have an accident when they swipe their credit cards, the bank can't find anyone to make up the money they owe. Unless the old man has an inheritance from his children, the bank may ask the father to pay it.
4. There are certain risks: people who are 60 years old are more likely to be deceived. Once the credit card is targeted by criminals, they may try their best to defraud the personal information of the credit card and steal it.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and 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 according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Can the elderly under 65 apply for a credit card?
Yes, you can complete the credit card application online through Bank of China Mobile Banking, Bank of China Credit Card WeChat official account, Colorful Life APP, online banking and Bank of China official website (). If there is a bank outlet in China nearby, you can also bring your ID card and other valid documents, as well as proof of economic source and income, and fill out an application form at a bank outlet in China to apply.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
The introduction of old people's credit cards and old people's credit cards will not be introduced by the executor. I wonder if you found the information you need from it?