Can I apply for a credit card if I have just turned 18?

Yes, but the application approval rate should not be too high.

1. According to the application conditions for credit cards, you can apply for a credit card if you are over 18 years old. For specific instructions on how to apply, you can go to the bank you want to apply for.

2. But please note that because you have just come of age, generally speaking, you do not have a stable job and income, and you are not very capable of repaying. These banks will take this into consideration, so the credit card approval rate is not very high. It will be very high. However, if you are a college student, you can apply for a college student credit card. Now many banks have launched college student credit cards.

1. As for the credit limit, credit cards generally have three levels: regular card, gold card and platinum card. Among them, the platinum card has the highest credit limit, that is, the higher the level, the credit card limit is also will be higher. However, the credit card limit is given by the bank based on the comprehensive score of the information submitted by the applicant. The reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc. , one score segment corresponds to one result, from not approving the card to approving the card, from low limit to high limit. After using the credit card for a period of time, the limit may be reduced, or you can apply to increase the limit.

So, those who have just turned 18 can apply for a credit card. As for the credit card limit that can be applied for, it depends on their personal qualifications. The application for a credit card is not limited to age. If you are over 18 years old, you can only meet the age requirements, proof of the most important work unit, proof of financial resources, etc.

2. Conditions for applying for a credit card

1. Credit card applicants need to provide the applicant’s valid identity document;

2. Credit card applicants provide application Specific information such as the person’s contact information and address;

3. Credit card applicants provide relevant work certificates of the applicant and his family, as well as property status, etc.;

4 .The applicant has full civil capacity;

5. The applicant must be at least 18 years old.

3. Apply for a credit card. It takes up to 10 days to apply for a credit card. The bank’s general process for processing credit card applications is: review - interview - card production - mail the credit card. The review usually takes about 7 days to complete, the interview can be completed in 1 day, the card printing can be completed in 1 day at the fastest, and finally the credit card is mailed. If you and the bank's card printing place are in the same city, you can receive it in 1 day at the fastest.

Can I apply for a credit card when I am over 18?

Yes, you can apply for a credit card when you are 18 years old, but the limit is not high, or there may even be no limit. In addition to age requirements, the limit for opening a credit card also depends on the individual's qualifications, mainly on repayment ability, fixed income, etc. People who have just turned 18 are mostly students or new workers. Their incomes are relatively low and their quotas are also relatively low.

To apply for a credit card, you need to prepare the following information:

1. Applicant’s identity document.

2. Proof of repayment ability, proof of work (copy of work permit, work certificate issued by the unit, professional title, professional qualification certificate and other information); proof of income (copy of salary record paid by the bank, issued by the unit) income certificate, bank time deposit certificate, withholding income tax certificate, etc.).

3. Proof of residence, such as the latest landline bill, home address, water, electricity or gas bill, etc.

4. Proof of assets: copies of credit cards from other banks and copies of bills for the last three periods; proof of owning a house (copy of the property ownership certificate of the self-owned house, down payment certificate for the mortgage of the self-owned house, etc.) ;Owned vehicle certificate (copy of motor vehicle driving license in the name of the applicant)

A credit card is a credit certificate issued by a commercial bank or credit card company to a consumer with credit qualifications. It takes the form of a card with the name, expiration date, and cardholder's name printed on the front, and a magnetic strip and signature strip printed on the back. Consumers holding credit cards can go to specialized commercial service departments for shopping or consumption, and banks will settle accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

The relevant legal provisions of credit cards in our country (the Standing Committee of the National People's Congress interpreted the criminal law provisions of credit cards in the People's Republic of China) refer to payment cards issued by electronic commercial banks or other financial institutions. All or part of consumer payment, credit loans, transfer settlement, deposits and withdrawals and other functions. Credit card consumption is a non-cash transaction payment method that does not require cash when consumption and is repaid on the settlement date.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume first and then repay within the credit limit. A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of provident fund according to regulations. When the balance of the provident fund account is insufficient for payment, the cardholder can overdraw within the prescribed credit limit. When talking about credit cards, we generally only refer to credit cards.

Can I apply for a credit card if I have just turned 18? What are the conditions?

In principle, 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. To apply for a credit card, you need to bring your personal identity document and go to the counter of the local bank to apply for the relevant bank. Business, fill in the relevant application for credit card;

2. The age for applying for credit card must be within 18-65 years old, too young or too old is not acceptable;

3 , while applying for a credit card, you also need to have a stable career and related income, so that you can be able to repay the amount;

4. You also need to have good credit, which indicates the ability to repay. , credit is very important. Generally speaking, good credit can improve credit value. If the credit card is not repaid on time, it will lead to a significant decline in credit;

5. Resident status is required to apply for a credit card. Copies of the front and back of the ID card, or other valid documents to complete the registration;

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

I can apply for a credit card if I am over 18 years old. , but applying for a credit card requires proof of work and income; no bad records; proof of property. It is better if you have personal property such as real estate and cars, which will speed up the review process and increase the limit.

There are many ways to apply for a credit card, the common ones are online application and bank counter application. If it is your first time to apply for a credit card, it is not recommended to apply online as there is a high chance of failure in the review. When applying for a credit card, you must read it carefully and try not to apply blindly. You must go to a regular bank to apply. There are some credit card agencies online that often use the banners of "high limit" and "quick review" to attract people who don't have much experience in credit card processing. Friends, if you really apply for it, your personal information may be leaked, which will seriously affect your personal credibility.

After applying for a credit card, there will be an annual fee involved. Many friends impulsively apply for a credit card after seeing the activities held by the bank. Some credit cards charge an annual fee even if they are not activated. If you fail to pay a certain amount of annual fees, your personal credit will be damaged, and you will not be allowed to borrow money to buy a house in the future. In serious cases, you may be charged. The annual fees of each bank are different, and the details are mainly based on bank regulations. After you get the credit card, you need to activate it before you can use it. Bring your ID card to the bank counter to handle the activation service.

When using a credit card, you must have a plan and use it in an orderly manner. If you often overspend and then pay off the debt, it will be troublesome. Generally, credit cards have an interest-free period of 20-50 days. I recommend this to all my friends. Make good use of this time. There may be times when you accidentally overdraft. At this time, be sure to repay before the end of the repayment date. If it is overdue, you will have bad credit.

If you really can't repay the loan, you can use installment repayment, but you will need to pay interest. You must be vigilant when using a credit card, pay attention to whether the cashier at the counter swipes the card twice when making a purchase, and try not to let the credit card out of your sight. You must spend rationally and use credit cards in a planned way, otherwise there will be serious consequences.

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

Yes, the minimum age requirement for applying for a credit card is 18 years old, so you can apply for a credit card if you are 18 years old.

But what banks value most when approving credit cards is whether the applicant has a stable job and income, in order to judge whether the applicant has good repayment ability.

Generally speaking, banks will not approve cards for applicants who have just turned 18 and do not have any personal property or employment.

In addition, please note that users who have just turned 18 years old should try not to make random online loans, and do not mess up their credit information and big data. They should wait until they graduate and work before applying for credit products. Generally, there are still A good amount.

The process for applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card or household registration book or copy of household registration book), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures and fill out the application. Form, the information filled in must be true. After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take approximately 20 working days before the card can be issued to the customer.

Credit cards are only available to customers who are 18 years of age or older. Minors are not allowed to apply for credit cards.

Applying for a debit card is relatively simple. You only need to bring your valid documents (ID card or household registration book) and fill out the application form at the bank where the account is opened. The card can be issued to the applicant at that time.

There is no age limit for debit card application, and minors can also apply. When customers under the age of 16 apply for a debit card, their guardian must hold the account book (if they are not in the same account book, relevant certificates must be provided) to the bank branch counter to apply for it, and the person being processed does not need to be present; if you are over 16 years old, If minors under the age of 18 are already working, they can go to the bank counter with their work certificate and ID card to apply for a debit card on their own. If they are not working, they still need the assistance of their guardian, and the person being processed does not need to be present; Applicants who are 18 years old or above can directly go to the counter of a bank branch or a self-service card application machine with their ID card to apply for a debit card, and get it immediately.

Report the loss of a bank card

The procedures for reporting the loss of a bank card are not exactly the same among major banks. If you lose your bank card, you can first use the phone or online banking to temporarily report the loss, and then bring your ID card and other proof. Report the loss of materials at the bank counter.

Notes

1. When entering the password, be sure to cover it with your hands. If there is any abnormality in the password shield and card entry protection slot of the ATM machine, for safety reasons, do not use it. At the same time, inform the bank immediately;

2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance;

3. It is best to store bank cards and ID cards separately, do not lend bank cards to others, and do not disclose bank cards and passwords at will;

4. When swiping cards for consumption, do not let bank cards out of sight and pay attention. Check the number of times the cashier has swiped the card. When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your card;

5. Activate the mobile phone SMS service to keep track of account changes at any time , once you find an abnormal transaction, call the bank immediately to report the loss.

Can I apply for a credit card if I have just turned 18?

Yes, the minimum age requirement for applying for a credit card is 18 years old, so you can apply for a credit card if you are 18 years old. However, what banks value most when approving credit cards is whether the applicant has a stable job and income, in order to judge whether the applicant has good repayment ability. Generally speaking, banks will not approve a card for applicants who have just turned 18 and do not have any personal property or employment.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation.

The factors considered include the applicant’s past credit record, the applicant’s known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

This ends the introduction on how to apply for a credit card if you are over 18 and how to apply for a credit card if you are under 18. I wonder if you found the information you need?