You can apply for a bank card if you are 12 years old. Children under the age of 16 can open their own accounts at the five major banks with their household registration booklet and guardian's valid certificate. Among them, banks such as Industrial and Commercial Bank of China, Bank of China, and Bank of Communications have launched special cards for children. Applicants under the age of 16 need to be accompanied by a guardian and obtain the consent of the guardian before they can apply for a bank card. They cannot apply for a bank card alone. However, you cannot apply for a credit card if you are twelve years old.

1. The process of applying for a bank card:

1. You need to choose a bank that you need to apply for, and then bring your ID card and account opening funds. The best time to process is on working days.

2. Arrive at the bank branch, wait in line at the bank’s self-service teller machine, and tell the staff next to you to apply for a bank card. After filling in the information, you can get your bank card.

3. Download the client designated by the bank outlet, and the staff will guide you on how to use mobile phones to transfer money and manage finances.

2. Things to note when applying for a bank card:

1. Issues with annual bank card fees. Some banks will charge applicants a certain annual fee, usually 10 yuan, which is charged once a year at a fixed time. If the applicant applies for a bank card from this bank just to use it once, he or she may consider canceling the card after using it to avoid paying more annual fees.

2. Whether to open electronic services. When applying for a bank card, bank staff will actively recommend related electronic services, such as online banking, mobile banking, etc. For this type of business, customers can choose to handle it freely and are not bound to handle it. Users should handle it according to their own needs.

Note: Students who are over ten years old and under sixteen years old are persons with limited capacity for civil conduct. Banks generally do not allow them to apply for cards. If they want to apply, the bank requires a guardian to accompany them. But the actual situation is that banks have lax requirements for people with limited capacity for civil conduct to apply for bank cards, and sometimes banks even process them without their parents accompanying them.

3. Students under the age of ten are persons without capacity for civil conduct. Whether applying for an ID card or a bank card, they must be accompanied by their parents. When applying for a bank card, you need to bring the following documents: parent ID card, household registration booklet , the student's personal ID card, a copy of the ID card and other documents that reflect the nature of guardianship (such as birth certificate, etc.) can be applied for. The procedures and methods are the same as (1). Banks have very strict requirements for people without civil capacity to apply for bank cards. In principle, they will not apply for a bank card. However, most banks will not make it difficult for you if you bring all kinds of documents.

4. For students who are over 16 years old, the method of applying for a bank card is the same as for adults. Just go to the bank with your ID card.