As for credit cards, children can only apply for the secondary card of the main card of the legal guardian's credit card, and they must reach a certain age, so not every bank allows children to apply for credit cards. Some banks have launched children's debit card products. This debit card can not open online banking, nor can it be used for investment and financial management. At present, it is best to apply for a children's card at China Merchants Bank, because China Merchants Bank has a special channel for children's cards.
1. Many people ask, adults can handle their own bank cards, so can children handle their own bank cards? The answer is yes. Children's bank cards can help you. As long as parents agree, children under 16 can apply for children's bank cards. How to handle children's bank cards? Let's talk about it. Banks launch children's bank cards. Children under the age of 16 can open accounts in five major banks with their household registration book and valid guardian documents. Among them, ICBC, Bank of China, Bank of Communications and other banks have launched special cards for children. Compared with the ordinary debit card account, the child-specific card seems to have a single service function. The children's exclusive cards of ICBC, CCCC and CCCC can realize basic service functions such as access, consumption and transfer of general debit cards. The three banks have different restrictions on payment, online banking, wealth management and wealth management. Other functions, the specific situation is different.
2. For customers who have opened ICBC's Baby Growth Card and signed an exclusive wealth management agreement, the bank can provide account management functions such as automatic transfer of excess deposits, account change reminder, monthly consumption limit setting, etc., but children's cards do not support functions such as purchasing wealth management, fund fixed investment, and cannot open online banking functions. The "Great Wall Flower Season Card" launched by Bank of China for young students under the age of 16 has added a multi-account function and a collection and payment function. The card also does not support bank financing, fund fixed investment and so on.
3. The "Pacific Children's Card" of Bank of Communications can provide online banking and other electronic banking services for children's exclusive cards in the presence of agents, but minors cannot handle this business alone. With the exception of ICBC, CCCC and CCCC, all other major banks have indicated that there will be no special cards for children by 212, but minors under the age of 16 can open ordinary bank cards with their household registration and valid identity documents of guardians. Custody relationship Some people compare which bank's children's bank card is better, which depends on personal needs and their actual situation. From the interview survey, ICBC children's bank cards are the most popular. Children's bank cards can also print children's photos. After the application is accepted, the general bank will mail it to the applicant.