Retirees can apply for a credit card, as long as you are under 60 and can meet the basic conditions for applying for a credit card. But because of retirement, I can't get the work certificate of my work unit, which is more troublesome. You can try to submit other relevant economic certificates to prove your ability to repay. When you are 18 years old and have a regular job, you can apply for a credit card without guarantee. There's another way. After your mother gets off the card, she can apply for a supplementary card for you to use and share the quota.

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