/kloc-Children under the age of 0/6 must apply for bank cards on their behalf by guardians, and it is not allowed to do it alone. So you can't be out of the control of your parents. If you want this, eat well and grow up quickly.
Because you are under the age of 16, you are no longer qualified to apply for a separate card, so it doesn't matter whether you have an ID card or a mobile phone. It's no use having one.
Middle school students get 5 points for handling bank savings cards.
First of all, if you are old enough, you can choose which bank is suitable for you. If you often shop in Taobao, I recommend you to apply for Alipay Dragon Card. You can save money or buy things. This card is mainly for shopping returned by Taobao. You don't have to go to any online banking payment page, so it's convenient to use any card. You can use it as long as you want in college. When you use the second card, see if it is convenient for you. However, you can apply for several bank cards at the same time, unlike credit cards, it doesn't matter.
How do students apply for bank cards?
Take your ID card to the bank counter to get a card, or do it online. All you need is your ID card and yourself. The bank staff will tell you what to do. It is best to deposit more money than the small management fee, such as ICBC 300 and CCB 500, so that there is no need to deduct the small management fee. Different types of cards have different prices. If you open online banking, it depends. You can ask at the counter. Personally, I think ICBC's is better.
I am a middle school student, age 17. What should I do with my bank card?
You can apply for a debit card if you have an ID card, as long as you have an ID card at the age of 16, that is, a card for saving money, opening online banking and paying online.
I can't do it without an ID card.
For credit cards, you can only ask if you have a student card. It is difficult for students to use credit cards now.
How do primary school students handle bank cards?
Get a bank card and open online banking. Handling bank cards is convenient for others to remit money to you, and opening online banking is convenient and quick for auditing accounts. You will never go to the bank every day for 10 quick money. Opening online banking can bring a lot of convenience in the Internet age, such as buying some Q coins online and playing a game card.
You can go to Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank and China Merchants Bank to apply for bank cards (at present, there are three main types of bank cards used by individuals in the market: credit cards, quasi-credit cards and debit cards. Credit cards, also known as credit cards, can be overdrawn and do not require capital deposits, that is, within the scope approved by the bank, they can be consumed first and then replenished. At present, China's credit cards generally need to pay an annual fee, and the grace period from consumption to repayment ranges from 30 days to 56 days. There is no interest on too much money in the credit card, but if it is repaid beyond the repayment period, the penalty interest is an integer of the consumption amount. For example, if you spend 1 0,000 yuan and you pay back 999 yuan, and 1 yuan fails to pay back on time, then your interest principal is 1 0,000 yuan instead of 1 yuan. The penalty interest rate is also high, so customers need to pay back carefully according to the statement. Credit card can meet the function of temporary withdrawal of ATM, but it records interest immediately, has no interest-free grace period and has high handling fee, so banks generally do not encourage this use. At present, CITIC Industrial Bank and China Merchants Bank have launched dual-currency credit cards, that is, credit cards combining RMB and foreign currency (mainly US dollars) to realize overseas foreign currency consumption and domestic RMB repayment. At the same time, according to the needs of customers, the bank also developed ordinary cards, gold cards, platinum cards and other products, which belong to high-end products in bank cards. Debit card is a bank card that deposits first and then consumes. The cardholder's consumption is based on the password, and the consumption limit is the savings deposit in the card, and overdraft is not allowed. The deposit in the card bears interest, but it usually bears interest at the current period. However, a few debit cards, such as CITIC Wealth Management, can automatically divide the deposits in the card into components and arrange them in a certain proportion. Quasi-credit card is a bank card product developed by some banks in the process of bank card development, which is between credit card and debit card. It requires a deposit before consumption, and the amount in the card is recorded as a current account, allowing a small amount of overdraft. The overdraft amount is recorded immediately, and there is no interest-free grace period. The market is getting smaller and smaller at present. Don't forget to bring your ID card. It is recommended to apply for an industrial and commercial bank card. Under normal circumstances, as long as you tell the bank staff to open online banking for you, you can complete all the formalities in the bank business hall. If your bank counter can't handle online banking, you can use your bank card to open online banking yourself. All you need is this trouble, and just click the mouse on the computer in the future. In addition, if you surf the Internet in Internet cafes, you should pay attention to keeping the bank card password properly. The best way is to go to the bank to withdraw money as soon as the bank card exceeds 500 yuan.
Types of bank cards
Bank of China: Great Wall Electronic Debit Card Great Wall International Credit Card Great Wall RMB Credit Card Traveler's Checks.
ICBC: Peony Foreign Currency Co-branded Card Peony Credit Card Peony International (HKD) Card
Agricultural Bank: China Agricultural Bank Jinsui Star Card.
Construction Bank: Dragon Card Savings Card Dragon Card Credit Card Dragon Card IC Card Remittance Voucher Card Tax (Fee) Special Card Zodiac Savings Card Yulan Card
Bank of Communications: Pacific Credit Card Pacific Debit Card Pacific Special Card Pacific Smart Card Pacific Color Card
Shanghai Pudong Development Bank: Oriental Debit Card and Oriental Credit Card
CITIC Bank: CITIC Debit Card CITIC Credit Card
Guangfa Bank: Guangfa Credit Card (Millennium Olympic Edition), Guangfa Business Travel Card, Guangfa Financial Card, Guangfa Credit Card and Guangfa Foreign Exchange Card
China Merchants Bank: China Merchants Bank "One Card" China Merchants Bank RMB MasterCard Credit Card
Shenzhen Development Bank: Developing Transfer Cards
Minsheng Bank: Minsheng Bank Debit Card
Huaxia Bank: Huaxia Savings Card
Scope of application of bank card
China Industrial and Commercial Bank Peony Link Card National
China Industrial and Commercial Bank Peony Credit Card National
China Industrial and Commercial Bank Yin Fu Peony Debit Card National
China Merchants Bank Netcom/Professional Edition National
China Merchants Bank Credit Card/One Card National
Bank of China Great Wall Credit Card
China Bank Debit Card
China Construction Bank Longka Credit Card National
National contracted users of China Construction Bank Longka
Minsheng Bank Minsheng Card National
Minsheng Bank signs contracts with customers all over the country.
Agricultural Bank of China Jinsui Credit Card/Debit Card National
Shanghai Pudong Development Bank Oriental Credit Card/Debit Card Guangzhou Area
Pacific Credit Card of Bank of Communications >>
What about junior high school students' bank cards?
1. You should have an ID card in the third grade. If you don't have a household registration book, you can apply for a debit card at the bank and open online banking business.
2. If you have a lot of money and basically don't need credit card consumption or overdraft, I suggest you get a debit card from CITIC Bank or Postal Savings Bank. These banks don't charge annual fees or account management fees.
3. If I apply for ICBC online banking: Before opening online banking, I will apply for a debit card with my ID card, with an annual fee of 10 yuan. However, if Caneda does not reach the average daily balance in 300 yuan, I will charge 3 yuan a small account management fee every quarter to open online banking without applying for U shield.
First, online banking and online payment functions were opened at the counter of ICBC. Otherwise, you can only query after logging in to online banking, but you can't transfer money or pay online.
Second, when logging in to online banking icbc/index.jsp for the first time, the page will prompt to install security controls, and you must click Install.
Third, after logging in to online banking for the first time, you need to change the login password of online banking and set it as a combination of letters and numbers.
Fourthly, after logging in to online banking for the first time, you should also set up a "reserved verification information" to verify the identity of customers when paying online in the future, so as to improve the security of online payment.
Fifth, in the online banking system, it is convenient for inter-card transfer and remittance, inter-card discount, and it can also convert demand deposits in cards into time deposits, as well as fund gold futures and other businesses, with very rich functions.
Sixth, when online bank transfer involves the transfer of funds in the card, it is necessary to enter the digital code of "dynamic password card" for verification to improve the transaction security.
Seventh, install anti-virus software and firewall in the computer, and kill virus regularly to prevent Trojan virus from stealing information.
Eighth, avoid logging in personal online banking in Internet cafes and offices, and beware of Trojan virus stealing personal bank accounts and passwords.
Ninth, remember the login password of online banking. If you forget it, you need to go to the original application network to solve it and reopen it.
Tenth, bank cards should be placed separately from magnetoelectric devices such as mobile phones to avoid degaussing.
Do students need to bring their parents to apply for a bank card?
Jintou Bank News What should students do with bank cards and what should minors do with bank cards? Students here should be treated differently, mainly referring to primary and secondary school students. It is a civil act for students to apply for bank cards. Therefore, we need to know the person without civil capacity and the person with limited civil capacity in the legal sense.
1. Article 12 of the General Principles of Civil Law of China stipulates: "Minors over the age of ten are persons with limited capacity for civil conduct and may engage in civil activities appropriate to their age and intelligence; Other civil activities are carried out by his legal representative or with the consent of his legal representative. "
2. Paragraph 2 of Article 12 of General Principles of Civil Law of China stipulates: "Minors under the age of 10 are persons without capacity for civil conduct, and their legal representatives shall act as agents for civil activities."
3./kloc-Citizens over 0/8 years old are adults with full capacity for civil conduct, able to conduct civil activities independently, and are full capacity for civil conduct.
4./kloc-citizens aged 0/6 and under 18 whose main source of livelihood is their own labor income are regarded as persons with full capacity for civil conduct.
It should be noted that people with limited capacity for civil conduct and people without capacity for civil conduct also include mental patients. We are talking about people with limited capacity for civil conduct and people without capacity for civil conduct, especially students.
Now I know what kind of students can apply for bank cards.
The legal basis is the Law of the People's Republic of China on Resident Identity Cards. According to the law, China citizens who have reached the age of 16 and live in People's Republic of China (PRC) shall apply for resident identity cards in accordance with the provisions of this law; China citizens under the age of 16 may apply for resident identity cards in accordance with the provisions of this Law.
To this end, the procedures for primary and secondary school students to apply for bank cards are as follows:
(1),1students under the age of 0 16, need to take the household registration book to the local police station to apply for resident identity cards. After completing the ID card, they can go to any bank with their ID card and a copy of their ID card. I will sign your name on the "Personal Settlement Account Management Agreement", fill out a "Personal Card Opening Application Form" and give it to the bank staff, and then leave the password. You can enter the six-digit password you want to leave on the password machine (enter it twice and confirm it), and the staff will give you a card. In addition, you should deposit some money on the bank card. Some banks require at least 10 to be deposited in 50 yuan, while others require less, 1 yuan will do.
Note:/kloc-students over 0/0 and under 0 16 are persons with limited capacity for civil conduct. Generally, banks do not give cards. If they want to apply, the bank requires a guardian to accompany them. However, the actual situation is that banks are not strict with people with limited capacity for civil conduct to apply for bank cards, and sometimes they do so without their parents.
(2) Students under the age of 10 are persons without civil capacity. Parents must accompany them when handling ID cards or bank cards. When handling a bank card, you need to bring the following documents: parent ID card, household registration book, student ID card, copy of ID card and other documents that can reflect the nature of guardianship (such as birth certificate). Procedures and methods are the same as (1). Banks have strict requirements for people without civil capacity to apply for bank cards. In principle, it won't be handled, but if you carry all kinds of documents, most banks won't embarrass you.
(3) Students aged 16 can apply for bank cards like adults, and they can go to the bank with their ID cards.
What bank card is suitable for students?
Of course, online banking belongs to ICBC.
1. You need an ID card, your parents', you can ask your parents for help.
Go to the business hall of China Industrial and Commercial Bank.
3. How to apply for a bank card? When you go to the bank, the staff will teach you (just fill out the form according to their requirements)
4. The handling fee is 5 yuan, and then you must deposit around 10 yuan in your card. There is no handling fee for opening online banking, and password cards don't cost money.
Online banking in other banks is more complicated, and password cards also need to be charged. Anyway, online banking ICBC is the most advanced.
How do primary school students handle their own bank cards?
Not now. If you want to open an account, you need a guardian and his ID card. The guardian must be your relative.
Can students from 0 1 September 12 apply for a bank card? What should I do?
As long as you have an ID card, you can apply for a bank card, but you can't apply for online banking. I have a little brother, 12 years old, who applied for a bank card, but has been unable to open online banking.