A 3-year-old baby can apply for a bank card, and it is a children's bank card. Children's bank cards are/kloc-the bank cards of children under the age of 0/6. These bank cards usually have no overdraft limit or the overdraft limit is very small, which requires the prior consent of parents. There are also strict restrictions on credit card consumption, but all kinds of functions are complete, which can be understood as adult bank cards with reduced limits.

How to handle children's bank cards:

/kloc-children under the age of 0/6 can open their own accounts in five major banks with their household registration books and valid certificates from their guardians. Among them, ICBC, Bank of China, Bank of Communications and other banks have launched special cards for children.

Extended data:

Children's bank card type:

1, home card

Children's stored value card is a national children's financial card launched by Minsheng Bank. It is a financial package product specially prepared for children and families, including educational savings, intelligent financial products and growth-oriented financial products.

2. Baby Growth Card

Baby Growth Card is a theme card specially designed by China Industrial and Commercial Bank for underage customers under 16 and their parents. This card is issued in the form of baby card, father card and mother card. In addition to the general debit card function, this card also has special functions such as growth fund, growth guarantee, growth commemoration and gratitude return.

3. Happy Partner Card

Happy Partner Card is a UnionPay standard one-card debit card issued by China Merchants Bank for children under the age of 16. The Happy Partner Card can establish a parent-child relationship with one of the parents' smart cards. After successful establishment, both parties can realize mutual transfer of RMB current account funds between the two cards through the popular parent-child transfer interface and self-service inquiry terminal.

Baidu Encyclopedia-Children Bank Card