/kloc-can I get a bank card at the age of 0/4?

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.

Extended data:

function

Compared with the ordinary debit card account, the special card for children appears to have a single service function. Special cards for children of ICBC and BOC can realize basic service functions such as deposit and withdrawal, consumption and transfer of general debit cards.

The three banks have different restrictions on payment, online banking, wealth management and other functions, and the specific situation is not the same. Among them, if ICBC's "Baby Growth Card" is opened and an exclusive financial agreement is signed, it can provide account management functions such as automatic transfer of excess quota, account change reminder and monthly consumption quota setting. However, the children's card does not support the functions of purchasing wealth management and fixed investment funds, and cannot open the online banking function.

The "Great Wall Flower Season Card" launched by Bank of China for young students under 16 has the function of multiple accounts and the function of receiving and paying money. The card also does not support bank financing and fixed investment.

Bank of Communications "Pacific Children Card" can provide online banking and other electronic banking services for children's exclusive cards in the presence of agents, but minors themselves cannot handle this business alone.

Except for Industrial and Commercial Bank and Bank of Communications, all other major banks indicated that they did not have children's cards before 20 12, but minors under 16 can open ordinary bank cards with their household registration books, valid identity documents of guardians and guardianship certificates.

References:

Baidu Encyclopedia-Children Bank Card