What is the age limit for applying for a credit card?

The age limit for credit card application is 18 to 60 years old.

Credit card application conditions are:

1. The applicant is between 18 and 60 years old and has full capacity for civil conduct.

2. Have a fixed job and a stable source of income, and have a certain repayment ability.

3. The applicant has good credit and no bad records in the credit reporting system.

1. Which banks can apply for credit cards

Inquire about which banks can apply for credit cards. Below, the editor will give you a unified answer on which banks can apply for credit cards.

Most banks can handle credit cards. For example, my country's five major banks, joint-stock banks such as China Merchants Bank, China Everbright Bank, China CITIC Bank, and China Guangfa Bank, as well as many larger city commercial banks. Only a few smaller banks do not provide credit card services to users.

In fact, most banks now have credit card business, including state-owned banks, mainstream commercial banks and many larger local banks, such as my country’s five major banks, China Merchants Bank, Everbright Bank, and CITIC Bank , Industrial Bank, Guangfa Bank, etc., only a few smaller banks may not provide credit card services to users.

Currently, mainstream banks have their own business outlets across the country. Users who want to apply for a credit card can compare and choose the appropriate bank and credit card to apply.

When applying for a credit card, if it is the first time for a user to apply for a credit card, in order to have a better chance of passing the application, it is best to choose the bank to which his salary card belongs or the bank to which his deposit account belongs. Generally, it is easier to pass and get a comparison. Satisfactory credit card limit.

Different banks will launch different activities for different card types when applying for credit cards. Users can compare multiple ways and choose the most cost-effective credit card for them based on their daily consumption habits.

2. Credit card application conditions

For users who apply for a credit card, the bank will review the user's application. Only users who meet the credit card application conditions can successfully apply for a credit card. The following conditions need to be met when applying for a credit card:

1. The user needs to be over 18 years old;

2. The user needs to have a stable source of income. Generally, banks will not make money to students without income. For credit cards, only a few banks have launched credit cards specifically for college students;

3. Credit card applicants need to have good credit and no bad overdue records;

4. Users You need to provide at least two valid contacts when applying;

5. If credit card application users can provide proof of salary income, proof of financial resources, etc., it will help increase the success rate of the application.

After the user applies for a credit card, the bank will call the contact number reserved by the applicant and the number of the applicant's workplace for information verification when conducting credit card review. Therefore, the applicant may ensure that the contact number is open. Otherwise, if you miss the review call, your card removal period will be extended.

How old can you apply for a credit card?

You can apply for a credit card if you are over 18 years old. The conditions for applying for a credit card are as follows:

1. Be over 18 years old and hold a valid ID card.

2. No bad credit record.

3. Other financial documents, such as real estate, cars, stocks, bonds, etc.

4. Proof of work and income stamped by the financial institution.

Being over 18 years old is a necessary condition for applying for a credit card, but if there is no proof of employment, it is easy to be rejected when applying for a credit card; if you have a stable source of income, you can go to the bank to obtain a bank statement, and then apply for a credit card. Bank application, the success rate of such application is still very high.

How old can you get a credit card?

General banks stipulate that the age for applying for a credit card is between 18 and 60 years old. In addition, applying for a credit card requires a stable job and compliance. Only those with high income, good personal credit system, and certain personal property can apply for a credit card if they meet these basic conditions; applicants for supplementary credit cards must be at least 16 years old. The regulations of each bank are different. In some banks, the age of 13 is You can apply; all consumption of the supplementary card will be borne by the main card. At the same time, the main card has the right to freeze the supplementary card or change the available limit of the supplementary card at any time.

To apply for a credit card, you need to prepare ID card, personal income certificate, workplace certificate, residence certificate and other information required by the bank. The information must be true, and then go to the bank to fill out an application form. Bank staff will verify the applicant. The submitted information will be reviewed and approved after verification. Generally, the system will review and approve the application first. It mainly reviews the applicant's age, nature of work, years of service, income level, and personal credit. If there is a problem, the application will be rejected by the system and returned with explanation. Reason, if successful, it will enter manual review, mainly to calculate the amount of the applicant's property that can be distributed. After all procedures are completed, the bank will notify the head office to create a credit card, and then mail it to a bank outlet or the applicant.

In addition, you can also apply in online banking, log in to the bank's official website, choose to apply for a credit card, find the credit card you want to apply for, enter personal information, etc. The credit card cannot be used directly after it is received. It needs to be activated first. Ordinary credit cards generally do not charge annual fees if they are not activated. If high-level credit cards are not activated, annual fees will also be charged. Pay attention to this to avoid unnecessary arrears. If you apply for a credit card online, you must go to a bank branch to activate it. If you apply for a credit card at a bank, you can activate it online. When using a credit card, you must spend carefully and repay on time on the repayment date to avoid overdue payments.

Is there an age limit for applying for a credit card?

There is an age limit for applying for a credit card. First of all, there is a minimum age limit for applying for a principal and supplementary credit card. Secondly, there is a maximum age limit for applying for a credit card. The user's age must meet the requirements before he or she can apply for a credit card. If the user does not meet the requirements, the credit card application may be rejected immediately after submission. As for users who have passed the preliminary review, their credit card application will enter the final review stage.

There are also some special credit cards that have additional requirements for application age. Users whose age exceeds the upper limit can no longer apply for such credit cards.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

The credit limit refers to the maximum overdraft limit that the bank gives your credit card when it approves your credit card. You can only use the card to make purchases within this limit. If you exceed this limit, you cannot use the card to make purchases. The credit limit is determined based on a comprehensive evaluation based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The main card and supplementary card share the same limit. Under normal circumstances, the RMB limit and the US dollar limit in a dual-currency credit card can be converted to each other. For example, if your limit is 30,000 RMB, when you use the card overseas, your credit limit is approximately equivalent to 5 ,000 USD.

The credit limit will be adjusted regularly by the bank, but you can proactively provide relevant proof of financial resources to request adjustment of the credit limit. In addition, when you need a higher limit within a certain period of time when traveling abroad, moving to a new home, etc., you can request to increase the temporary credit limit.

The second quota, which is the so-called quota that can only be used in installments, is an external quota that does not occupy your original quota. According to ME Love Card, banks that support the use of the second quota in installments include China Everbright Bank and Bank of China.

How old can you apply for a credit card?

If it is a credit card supplementary card, the minimum age can be 13 years old. If you are under 16 years old, you need to provide a copy of your household registration book; The basic age requirement for the card is between 18 and 60 years old. Different cards will adjust the application age according to the actual situation. Please refer to the credit card application age announced by the bank. Some special cards have special application age restrictions.

Generally speaking, adult users can choose to apply for a main credit card, while minor users can apply for a secondary card of their parents’ credit card.

To apply for a credit card, you must be over 18 years old. The specific conditions for applying for a credit card are as follows:

1. The applicant must be between 18 and 60 years old and have full capacity for civil conduct;

2. The applicant must have good credit. There is no bad record;

3. The handler has a stable job and economic income, and has the ability to repay the principal and interest of the loan on time;

4. The handler has a valid identity certificate (identity Certificate) and proof of financial resources (copy of bank statement or real estate certificate in the last six months);

5. The person handling the application has proof of residence, such as a copy of the household registration book.

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What age can I apply for a credit card?

Generally, each bank has different regulations for applying for a credit card. It will require your salary to reach a certain standard, and it will set a certain overdraft amount based on your income, and it will also check whether you have a bad credit record. It is not something you can apply for when you are old enough. Conditions for applying for a credit card: To apply for a credit card, you need to be at least 18 years old, and you can apply for a credit card if you have a stable income or other financial proof.

1. Conditions for applying for a credit card: 1. Aged 18 or above; 2. Second-generation ID card is required; 3. Proof of employment and income stamped with the financial seal of the unit; 4. No bad delinquencies Credit record; 5. Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

2. Credit card application process: 1. Fill in the application form; 2. Give the bank’s personal information and a copy of the information; 3. The bank sends it to the credit card center; 4. The credit card center will review and issue the card. , issue the card; 5. After I get the card, I open the card and wait for the password letter.

Three, you can only apply for supplementary cards if you are over 16 years old. Because credit cards have an overdraft function, which means you can make purchases with the card even if there is no money in the card, so not everyone can apply for a credit card, and banks only issue credit cards to people they think are honest. Check to see if you meet the bank's requirements for issuing a credit card: be between 18 and 65 years old; have a stable career and income; have good credit and the ability to pay interest on time; be a natural person with full capacity for civil conduct .

Fourth, if you have not met the conditions for applying for an ordinary credit card, you can apply for an additional card through your parents or spouse. To apply for an additional card, you must meet the following conditions: 1. Have full civil capacity or limited civil capacity Natural persons with legal capacity 2. Over 13 years old. 3. Applicants for supplementary cards who are under 16 years old must provide a copy of their household registration book when applying.

Most banks set strict upper age limits for applicants for primary credit cards, and some banks even have upper age requirements for applicants for supplementary cards. CCB, old men over 70 years old cannot apply for CCB main credit card and supplementary card. The CCB credit card application form clearly states that the basic requirements for applicants are that they are between 18 and 70 years old. At China Merchants Bank, the upper age limit for credit card applicants is 60 years old, and they are required to be current workers. Retirees cannot apply. Supplementary card applicants must also not be older than 60 years old. , there are also clear instructions on the China Merchants Bank credit card application form. Industrial Bank, in principle, senior citizens over 60 years old cannot apply for Industrial Bank credit cards. There is no age requirement for supplementary cards. Bank of Beijing will no longer apply for credit cards for seniors over 65 years old. Customers over 65 years old are not allowed to apply for supplementary cards.

This concludes the introduction to credit card application age and credit card application age range. Have you found the information you need?