users who have reached the age of 16 but are under the age of 18 cannot apply for a credit card at present. Because the age requirement for credit card application requires users to be at least 18 years old. However, applicants under the age of 18 can apply for a supplementary card of the legal supervisor. For example, if either parent owns a credit card, with the consent of the holder, the user needs to go to the bank outlet with the holder to apply for a supplementary card.