If a 16-year-old doesn't have a bank card but needs money urgently, there are several ways to consider:
First, you can ask your parents or guardians for help. If the situation is urgent, they may provide the necessary financial support. Communicate openly and honestly with your family about your needs and difficulties, and most parents will understand and help.
If you don't want to ask your family for help, consider borrowing money from friends and relatives. If you have a trusted relative or friend, you can explain the situation to them and see if you can borrow some money temporarily. Remember to be honest about your repayment plan and return it as soon as you can.
In addition, it is also possible to consider earning an income through a legal job or a part-time job. If you are eligible, consider working as a casual or part-time job, such as tutoring, waiter, handing out flyers, etc. These jobs are hard work, but they can quickly earn a certain amount of income to deal with emergencies.
Please note that 16 years old is still a minor, so you need to make sure that your behavior is legal and compliant. Don't get involved in any illegal activities or lending platforms to avoid getting into a bigger predicament. At the same time, be cautious about your finances and avoid making unwise decisions in the heat of the moment.
Finally, minors should seek help from their parents, guardians, or other trusted adults when they experience financial hardship. They have more experience and resources to provide support and guidance. In the future, you should also learn to plan your finances reasonably and avoid unnecessary financial pressure.