minors under the age of 16 must open a debit card account on behalf of their guardians when handling bank cards. When opening an account, the guardian shall present his/her valid identity certificate, the resident identity certificate or household register of the debit card user, and valid certificates that can truly reflect the guardianship relationship, such as household register, birth certificate, street certificate, judicial documents (mediation, ruling and judgment) and relevant certificates issued by the public security department. Individuals over the age of 16 can open a debit card account without a guardian, and they can open an account with valid documents.
A bank card refers to a credit payment tool that is approved by commercial banks (including postal financial institutions) and has 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.
by the end of 214, 4.936 billion bank cards had been issued nationwide, an increase of 17.13% over the end of last year. Among them, 4.481 billion debit cards and 455 million credit cards were issued. According to the data, by the end of 214, there were 3.64 bank cards per capita in China, an increase of 17.4% compared with the end of last year. For details, please refer to the Prospective Report on in-depth Investigation and Development Prospect Forecast of Bank Card Industry in China. Among them, .34 credit cards were held per capita, an increase of 17.24% over the end of last year. The per capita possession of credit cards in Beijing and Shanghai is still far higher than the national average, reaching 1.7 and 1.33 respectively. According to the report, the credit scale of credit cards in China has increased moderately, and the credit utilization rate has continued to rise. By the end of 214, the total credit granted by credit cards was 5.6 trillion yuan, a year-on-year increase of 22.5%. The average credit line of credit cards was 12,3 yuan, and the credit utilization rate was 41.69%, an increase of 1.4 percentage points over the end of last year. The total outstanding credit of credit cards overdue for half a year was 35.764 billion yuan, an increase of 1.572 billion yuan or 41.97% over the end of last year.
on March 18th, 219, the central bank released the overall operation of the payment system in 218. By the end of 218, the number of bank cards in use nationwide was 7.597 billion. Among them, the number of credit cards and debit-credit cards in use is 686 million. The average person in China holds 5.46 bank cards, and every two people hold a credit card and a debit-credit card. In addition, the scale of bank card credit increased moderately, and the proportion of total outstanding credit overdue for half a year decreased. By the end of 218, the total credit of bank cards in China was 15.4 trillion yuan, with an average credit line of 22,4 yuan. The total outstanding credit of credit cards overdue for half a year was 78.861 billion yuan, accounting for 1.16% of the credit balance of credit cards, accounting for a decrease of .18 percentage points compared with the end of last quarter.