Teenagers must be 16 years old to apply for online banking. Among them, the staff of China Bank told the reporter that teenagers who have reached the age of 16 have the capacity for civil conduct and can bring their ID cards to the bank to handle it themselves; The staff of the Agricultural Bank of China said that guardians can handle online banking for children, but they need to provide ID cards, household registration books and proof of guardians between guardians and children. Some bank staff suggested that parents can use their identity information to open a separate account for their children's lucky money in case they forget their passwords or have other troubles.
When issuing credit cards to students who have reached the age of 18 and have no fixed job or stable income, the second repayment source must be implemented, and the second repayment source should have the corresponding repayment ability. Before issuing a card, a banking financial institution must confirm that the second repayment source has agreed in writing to bear the corresponding repayment responsibility, otherwise it may not issue a card. Banking financial institutions should conduct due diligence on the credit level and repayment ability of credit card applicants, who should have a fixed job, a stable source of income or provide reliable repayment guarantee.
If the applicant does not meet the above conditions, but it is really necessary to issue a card, the banking financial institution shall clarify the scope of application of the card issuance and establish the corresponding card issuance management mechanism. The applicant must implement the second repayment source, and the second repayment source should have the corresponding repayment ability. Before issuing a card, a banking financial institution must confirm that the second repayment source has agreed in writing to bear the corresponding repayment responsibility, otherwise it may not issue a card. Banking financial institutions should strictly control the issuance of credit cards to applicants who have obtained credit cards from other banks after investigation, but the personal repayment ability of customers is far from the accumulated credit lines of various banks.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.