Yes, 18 years old can apply for a credit card, but the pass limit is not high, and there may even be no limit. In addition to the age requirement, the credit card opening amount depends on personal qualifications, mainly on repayment ability and fixed income. Most of those who have just turned 18 are students or new workers, and their income and quota are relatively low.

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

1. The applicant's identification document.

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

3 proof of residence, such as the latest fixed telephone bill, home address, water and electricity bills or gas bills, etc.

4. Proof of assets: a copy of his bank's credit card and a copy of the latest three bills; Self-owned housing certificate (copy of self-owned housing property certificate, self-owned housing mortgage down payment certificate and other materials); Own vehicle license (copy of motor vehicle driver's license under the applicant's name)

Credit card is a credit certificate issued by commercial banks or credit card companies to consumers with credit qualifications. It is a card with name, expiration date, card number and cardholder's name printed on the front, and magnetic stripe and signature strip printed on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, banks can settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Laws and regulations related to credit cards in China (explained by NPC Standing Committee in People's Republic of China (PRC) Credit Card Criminal Law) refer to all or part of the functions of consumption payment, credit loan, transfer settlement and deposit and withdrawal of payment cards issued by electronic commercial banks or other financial institutions. Credit card consumption is a non-cash transaction payment method that does not need to pay cash when spending and repays on the settlement date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. A quasi-credit card refers to a quasi-credit card in which the cardholder pays a certain amount of provident fund according to the regulations, and can overdraw within the prescribed credit limit when the balance of the provident fund account is insufficient to pay. When we say credit card, we generally only mean credit card.