Legal analysis: CBRC stipulates that people under the age of 16 cannot apply for bank cards independently and need legal guardians to accompany them. The required documents are generally household registration books and photocopies. Those who have reached the age of 16 but have not reached the age of 18 can apply for a debit card or passbook at a bank outlet independently with their ID card and copy, but online banking is not allowed.

Legal basis: Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Article 2 Commercial banks shall strictly abide by national laws, regulations, rules and relevant policies, and follow the principles of equality, voluntariness, honesty and credibility.

Article 3 Commercial banks operating credit card business shall protect the legitimate rights and interests of customers and the security of relevant information according to law. Without the authorization of the customer, the relevant information shall not be used for other purposes than the bank's credit card business.

Article 4 Commercial banks operating credit card business shall establish and improve the risk management and internal control system of credit card business, strictly implement authorization management, and effectively identify, evaluate, monitor and control business risks.

Article 5 Commercial banks operating credit card business shall fully disclose relevant information to cardholders, reveal business risks, and establish and improve the corresponding complaint handling mechanism.

Article 6 The China Banking Regulatory Commission and its dispatched offices shall supervise and manage the credit card business of commercial banks according to law.