Can a 17-year-old apply for a Bank of China credit card?
If there is a Bank of China branch near you, you can also bring valid documents such as your ID card, as well as proof of financial resources, income, etc. to China Fill out the application form at a bank outlet to apply. Proof of financial resources includes real estate, cars, salary certificates (details of the past three months), complete tax payment certificates, employment certificates (need to be stamped with the company's official seal or financial seal), etc. The details are subject to the explanation of the card application outlet. .
The above content is for your reference, please refer to actual business regulations.
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Can a 17-year-old apply for a bank card?
A 17-year-old can apply for a bank card on his own. If he is over 16 but under 18, he can present his or her ID card and a copy or account. If you are under the age of 16, you can go to the bank to apply for a bank card with your household registration book or ID card in the presence of your guardian, and you are not allowed to open online banking.
Bank card account opening process:
I bring my ID card and a copy of my ID card and tell the staff that I want to open an account and apply for a bank card. The staff will issue a "Personal Settlement Account Management Agreement", read it, and sign it.
Fill out another "Application Form for Opening a Personal Card" and give it to the bank staff. Then enter the password on the cipher (the password must be remembered). After entering and confirming the password three times, the staff will issue the bank card.
The process for applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures. You need to fill in the application form, and the information must be true.
After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take about 20 working days before the card can be issued to the customer. Applying for a debit card is relatively simple. You only need to bring your valid documents, mainly your ID card, and fill out the application form at the account opening bank. The card will be issued to the applicant at that time.
The loss reporting procedures of major banks are not exactly the same. If you lose your money, you can first use the phone or online banking to temporarily report the loss, and then bring your ID card and other supporting documents to the bank counter to report the loss.
In December 2015, the China Banking Regulatory Commission issued the "Notice on Matters Concerning the Banking Industry's Combating New Illegal Crimes in Telecom Networks" (hereinafter referred to as the "Notice"). The "Notice" stipulates that starting from January 2016 Starting from the 1st, in principle, the same customer cannot open more than 4 debit cards at the same institution (excluding social security cards).
At the same time, the "Notice" also stipulates that "the same agent shall not issue more than 3 cards at the same commercial bank in principle. Debit cards issued by an agent require the agent to present his or her valid identity card at the counter. It can only be used after the card is activated in person."
Instructions for using bank cards:
When entering the password, be sure to cover it with your hands. If you find the password shield and card entry protection slot of the ATM machine. If there is any abnormal situation, for the sake of safety, do not use it and inform the bank immediately;
To prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATMs under the bank's video surveillance machine;
It is best to store bank cards and ID cards separately, do not lend bank cards to others, and do not disclose bank cards and passwords at will;
If you suspect that funds have been stolen, you should immediately Call the bank’s customer service hotline and report the loss of your bank card account in a timely manner.
How can I apply for a credit card at the age of seventeen?
If you apply for a China Merchants Bank credit card, you need a local China Merchants Bank. You are 18-60 years old. If you can provide an ID card (the temporary ID card must be valid for 3 months) You can try to apply for a second-generation temporary ID card and a copy of your household registration book (more than 3 months old), work certificate and income certificate. If you apply for a car card, you need to attach a copy of the driving license in your name. If the local branch has clear regulations , needs to be subject to the regulations of the local branch, and the credit card verification status is subject to the final review result.
If you only have an ID card or are not old enough, you can apply for an additional card for immediate family members (immediate family members are parents, children, and spouses).
How do minors apply for a credit card?
How do minors apply for a bank card? Minors who are over 16 years old and have an ID card can bring their ID card to the bank to apply for a bank card; 16 years old If you don't have an ID card, just take your household registration book. If you are under 16 years old and do not have an ID card, your legal guardian should handle it on your behalf.
Credit card:
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records relevant information about the cardholder's account, has bank credit limit and overdraft functions, and Various media that provide cardholders with related banking services.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”
Interpretation:
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records relevant information about the cardholder's account, has bank credit limit and overdraft functions, and Various media that provide cardholders with related banking services.
What kind of credit card can a 17-year-old get? There are two options
We all know that there are age restrictions for applying for a credit card. Applicants who do not meet the age requirements cannot apply for a card. This is also one of the most basic conditions for credit card application. A card friend asked, saying that he had been working in a certain company for more than a year and had a stable job and income, but he was only 17 years old and wanted to know what kind of credit card he could apply for. Regarding this issue, let’s discuss it with everyone.
1. Can a 17-year-old apply for a credit card?
17 years old, obviously a minor, basically does not meet the card application conditions of various banks. As mentioned earlier, there are age restrictions for applying for credit cards. Most banks have restrictions on applying for credit cards. The age limit is 18 to 65 years old, which means that if you are under 18 years old or over 65 years old, you do not meet the card application regulations and the bank will not approve the card.
Just like the netizen who asked the question above, although he has a stable job and income, it is still difficult to apply for a card with his own identity information.
2. What kind of credit card can a 17-year-old get?
Of course, if you want to apply for a credit card, there are ways. You can try two methods here:
1. Apply for a campus credit card:
If you do not meet the basic requirements Card application requirements, but if you are a college student, you can apply for a campus credit card issued by the bank, such as China Merchants Young Card Campus Edition, Pudong Development Youth Campus Card, etc. However, this type of credit card generally does not have a limit and needs to be deposited into the card. You can only spend money by swiping your card, but you can enjoy bank credit card discounts.
2. Ask your parents to apply for an additional card:
This is the most effective method and generally works better. The premise is that your parents have a credit card with normal card status, you can ask them to apply for an additional card for you to spend. However, the supplementary card and the main card share the same limit, and it is restricted by the main cardholder, which is not very good.
In short, judging from age alone, a 17-year-old cannot apply for a credit card by himself, but he can ask his immediate family members to help him apply for an additional card. Or if you are a college student, you can also apply for a campus card, but the general card limit is 0, and you can only deposit money into the card and then swipe the card for consumption.
This is the end of the introduction on how to apply for a credit card at the age of 17 and how to apply for a credit card at the age of 17. I wonder if you found the information you need?