Older people over 65 can apply for a credit card, but it needs to be determined according to the bank's regulations and policies. In some banks' credit card applications, the applicant's age, income and credit history may be evaluated and audited to determine whether it meets the credit card issuance standards.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.