Can I get a credit card when I am eighteen?

Yes, the minimum age for applying for a credit card is 18 years old, so you can apply for a credit card at the age of 18. But the most important thing for banks to approve credit cards is whether the applicant has a stable job and income, so as to judge whether the applicant has good repayment ability. Generally speaking, if an applicant who has just turned 18 does not have any personal property or work, the bank will not approve the card.

1. To apply for a credit card, you need to prepare the following materials:

1. Work certificate and income certificate. You need to go to the bank to get this certificate application form, then fill in some basic information yourself, and then hand it over to the work unit with the official seal and then hand it over to the bank.

2. social security payment certificate. Social security payment certificate is a good proof of job stability, and the success rate of applying for social security card will be improved.

3. Certificate of deposit. If there is a bank deposit, the applicant can issue a deposit certificate at the bank and then apply for a credit card from the deposit bank, which will improve the success rate of applying for a card.

4. Vehicle driving license. If you apply for the owner's credit card, you also need to provide the vehicle driving license.

5. Real estate license. Now if you want to apply for a large credit card, you can use the real estate license as proof of property.

6. existing credit card. If you have a credit card from another bank, you can use it as an additional material for applying for a card as long as it has been used normally for more than 3 months.

2. Process of handling credit cards

1. Handling credit cards at bank outlets:

Users can choose the bank they want to handle, bring their ID cards directly to the bank outlets, and then inform the lobby manager of the bank that they need to handle a credit card. At this time, the lobby manager will give you a credit card application form, fill in the information according to the requirements of the form, then take the number at the number fetching machine, wait for the counter to call the number, and then go to the counter and submit the application form.

2. Handling in official website:

Now every bank has its own official website. Users can visit the official website of their own bank, then find the credit card section on the home page, click to enter, select the type of credit card they want to handle, submit their application materials according to the prompts on the page, and then wait for the audit results.

Can I apply for a credit card when I am 18 years old?

If I am 18 years old, I can apply for a credit card, but I need proof of work and income. There is no bad record; Property proof, if personal property such as real estate and cars is better, it will speed up the audit progress and increase the quota.

there are many ways to apply for a credit card, the common ones are online application and bank counter application. If it is the first time to apply for a credit card, it is not recommended to apply online, and the chances of failure in the review are very high. When you apply for a credit card, you must read it clearly, try not to handle it blindly, and you must find a formal bank to handle it. Some credit cards on the Internet often attract some friends who have little experience in credit card processing under the banner of "high quota" and "quick review". If you really apply for it, your personal information may be leaked, which will seriously affect your personal reputation.

After applying for a credit card, it will involve an annual fee. Many friends impulsively apply for a credit card after watching the activities organized by the bank. Some credit cards charge an annual fee even if they are not activated. If a certain amount of annual fee is not paid, personal credit will be damaged, and loans to buy a house in the future will not be allowed. In serious cases, the annual fee of each bank is different, which is mainly based on bank regulations. Credit cards need to be activated before they can be used. Take your ID card and go to the bank counter to activate the business.

Credit cards must be used in a planned and orderly way. If you often overspend and then fail to pay the arrears, it will be annoying. Generally, credit cards have an interest-free period of 2-5 days. I suggest you make good use of this period. There may be times when you really overdraw accidentally. At this time, you must pay back before the end of the repayment date. If it is overdue, bad credit will be generated.

If you really can't repay, you can use installment repayment, but you need to pay interest. Be vigilant when using credit cards, pay attention to whether the cashier at the counter swipes the card twice when spending, and try not to let the credit card leave your sight. We must spend rationally and use credit cards in a planned way, otherwise it will have serious consequences.

can I get a credit card at the age of p>18?

Yes, the minimum age for applying for a credit card is 18 years old, so you can apply for a credit card at the age of 18. However, the most important thing for banks to approve credit cards is whether the applicant has a stable job and income, so as to judge whether the applicant has good repayment ability.

Extended information:

In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Can I apply for a credit card when I'm just 18?

1. According to the application conditions of a credit card, I can apply for a credit card when I'm 18. For details, I can go to the bank I want to apply for.

2. However, it should be noted that as an adult, generally speaking, they don't have a stable job and income, and they don't have the ability to repay, so these banks will consider it, so the pass rate of credit cards will not be very high.

3. However, if you are a college student, you can apply for a college student credit card. Now many banks have introduced college student credit cards.