Credit cards cannot be used by those over 70 years old, and those who are younger than 18 years old cannot apply for credit cards. Different banks have slightly different regulations.

Most banks have strict upper age limits for applicants for primary credit cards, and a few banks also have upper age requirements for applicants for supplementary cards.

Banks believe that the elderly may pose credit risks, so they must control the risks of issuing credit cards. Compared with young and middle-aged people, the consumption level of the elderly is weaker. Young people are mainly the ones applying for and using credit cards. The credit card market for the elderly is small, their consumption is low, they will repay their loans on time, and the bank's income is small.