You can apply for a credit card at the age of eighteen.

The minimum age for applying for a credit card is 18 years old, so 18 years old can apply for a credit card. 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. Generally speaking, an applicant who has just turned 18 years old will not be approved by the bank if he does not have any property or work in his name.

Conditions for applying for a credit card:

1. The applicant should be over 18 years old and have full capacity for civil conduct;

2. The applicant must have a stable income and be able to repay the arrears on time;

3. The applicant has good personal credit;

4. Other conditions stipulated by the bank.

Usually, when users apply for the first time, they can consider the universal card launched by the bank, so that the bank will pass the examination quickly and get the credit card soon, but the amount will not be too high.

Users can apply for credit cards through official website, bank counters, mobile banking and other channels. When users apply through online channels, they can learn more about the rights and interests contained in credit cards and the conditions for using these rights, and at the same time know whether they want them most. After all, a credit card with more rights and interests can save more money when users use it.

Usually, a credit card application will get a new card in about 30 days. After you get the card, you can use it after activation. You can choose different channels when activating, such as bank counter, bank customer service, sending short messages, etc. Cardholders can choose the channel that suits them and use it after activation.

Users must return their credit cards on time after daily use, and they cannot be overdue. If you can't return it on time, you can use installment repayment or minimum repayment amount, which can effectively reduce the monthly repayment amount and will not be overdue. In fact, if they can't return it on time, they can borrow money from friends around them and return it later.

/kloc-Can I get a credit card at the age of 0/8?

Yes, the minimum age for applying for a credit card is 18, so you can apply for a credit card at 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 data:

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who 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.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get 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 guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, 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. Different card-issuing banks have different standards. 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.

What credit card can I apply for just after 18? Can I apply through this channel?

What credit card can I apply for just after 18? Many people will ask this question. In fact, if an individual's age meets the requirements, the user can directly go to the bank to choose an ordinary credit card to apply, and the bank will issue the card on the premise that the individual meets the requirements.

When 18 is just over, you need to submit personal work certificate or income certificate, personal valid ID card, etc. When applying, the bank will check whether the user's credit information is good, and only users with good credit information will get off the card. When applying for a credit card, different users have different credit card limits.

Credit cards can be applied online. Generally, it can be obtained in about 25 days, and users can activate it after they get it. When activated, users can choose different ways. Common activation methods include credit card customer service hotline, bank counter, bank official website and SMS activation. When activated, the user needs to set the transaction password and inquiry password, which can be the same.

The credit card can be used after activation, but it must be repaid on time after consumption, and there can be no overdue repayment, because there will be penalty interest after overdue repayment. The longer the delay, the more penalty interest will be generated. Moreover, overdue repayment will affect personal credit information, and credit information will affect the handling of various loans, such as car loans or mortgages.

If the cardholder can't repay the loan in installments on time, he can borrow money from friends around him to avoid overdue. But he must return it to his friends on time after borrowing it, and this method can't be used often, otherwise it will arouse the resentment of his friends. When borrowing money, you'd better promise the date of return.

In fact, if the credit card cannot be returned on time after use, you can also use installment repayment or minimum repayment amount. When applying for installment repayment, you can choose the number of installments according to your repayment ability. Generally, the more installments, the more expenses will be paid. However, the cardholder can return the credit card in advance after the installment, which can save the handling fee.

/kloc-Can I get a credit card at the age of 0/8?

Yes, the minimum age for applying for a credit card is 18, so you can apply for a credit card at 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. Generally speaking, an applicant who has just turned 18 years old will not be approved by the bank if he does not have any property or work in his name.

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, and then fill in some basic information yourself, and then give it to the work unit with 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. Proof of deposit. If there is a bank deposit, the applicant can issue a deposit certificate in the bank and then apply for a credit card from the deposit bank, which will improve the success rate of card handling.

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

2. Credit card processing flow

1. Credit card processing at bank outlets:

Users can choose the bank they want to apply for, bring their ID cards directly to the bank outlets, and then inform the bank lobby manager that they need to apply for 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 machine, wait for the counter to call their number, and then go to the counter to submit the application form and personal ID card to the staff. After the submission is successful, the staff will handle it for the user and wait for the audit result.

2. Bank official website handles:

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 homepage, click Enter, select the type of credit card they want to apply for, submit their application materials according to the page prompts, and then wait for the audit results.

This concludes the introduction of how to apply for a credit card for 18 years old and how to apply for a credit card for 18 years old. I wonder if you have found the information you need?