Basically, after you are over 65 years old, you will not be given a bank credit card. Because you have retired, have no fixed job and are entering old age, it is difficult to have the ability to repay, so you will basically not be given another credit card. Apply for a bank credit card. The elderly can apply to use their children's supplementary cards. Because the memory of the elderly declines, it is easy to cause overdue payments. They can choose to bind a debit card for repayment, or ask their children to remind them. If the cardholder applied for a credit card before the age of 65, the existing card can still be used normally after the age of 65, but the limit is likely to be gradually reduced by the bank.
1. Major banks have age restrictions for applying for bank cards, including credit unions. If you are under 16 years old and apply for a bank card, you need a guardian to accompany you to the bank with your ID card and household registration book. If you are over 16 years old, you can apply for a bank card with your ID card. If you are over 18 years old, you can open online banking. If you are over 18 years old and meet other conditions stipulated by the bank, you can apply for a credit card. If it is a debit card, you must bring your ID card to the counter to apply. Those who are over 10 years old but under 16 years old cannot apply for a debit card independently and must be accompanied by a legal guardian. Generally, you can apply for a bank card directly at a bank branch with your ID card and a copy. If you don't have an ID card, you can use your bank account.
2. The China Banking Regulatory Commission issued 15 new rules on credit cards that stipulate that credit cards (except supplementary cards) shall not be issued to students under the age of 18. When issuing credit cards to students who are over 18 years old and have no fixed job or stable source of income, a second source of repayment must be established, and the second source of repayment must have the corresponding repayment ability.
3. Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the automatic bank card settlement system has made the dream of a "checkless, cashless society" a reality.
4. Starting from August 1, 2017, the annual bank card management fee will be cancelled, and some basic financial service charges of commercial banks will be suspended. On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)". On August 15, 2020, Baidu Company, Baixin Bank and China UnionPay launched the first domestic digital bank card - Baidu Quick Pass Card. On August 31, China UnionPay released the first digital bank card “UnionPay Unbounded Card”.