There are certain requirements for minors to open bank cards, in order to let minors understand financial instruments and handle simple financial operations.
At the legal level. In accordance with the requirements of the relevant regulations of the regulatory authorities, minors over the age of 16 can open savings accounts and apply for debit cards on their own. 16-18 years old can open a current deposit account independently.
On the basis of these requirements, the quota and functionality are also put forward.
on the quota. The cash withdrawal and spending limit of this type of account is relatively low, and it may only be a few thousand yuan on the same day. If the limit is exceeded, the transaction will be rejected by the bank.
Functionally. These accounts cannot provide large loans, let alone credit cards. Day-to-day functions are limited to cash deposits and withdrawals and low-value payments.
The account must be opened with the consent of a parent or guardian, and must be operated by the parent or guardian after the account is opened, and the parent or guardian has no right to interfere. Therefore, minors should pay attention to preventing risks such as online fraud.
When you reach the age of 18 and are treated as adults, you can open any type of bank account or bank card completely independently.
At the same time, there are a few things to pay attention to:
First, there is a balance between the autonomy of minors and parental custody. Reasonable opening up of a certain amount of financial autonomy is conducive to the growth of minors, but it cannot be completely liberalized, and appropriate parental supervision is required. This kind of guardianship should not be excessive, and mutual respect should be required.
Secondly, the positive impact of opening a bank card on the cultivation of financial habits of minors. Proper use of these financial tools will help you learn how to manage your finances and lay the foundation for an independent life in the future. But the premise is to use it well and not misuse it, and develop good habits.
Thirdly, measures to prevent the risk of financial fraud. In addition to parental guidance, schools and banks should also take responsibility to strengthen financial security education and improve the awareness and ability of minors to prevent them. Consideration could also be given to increasing legal protection.
Finally, establish a mechanism for financial security relief for minors. If you are unfortunate enough to encounter risks such as fraud, you can set up a special rescue mechanism to help them solve the problem as soon as possible and serve as a lesson for them. It is also important for the protection of the rights and interests of minors.
To sum up, this is a complex issue that involves many aspects. It is necessary for parents, schools, banks, and regulatory departments to work together to establish scientific, reasonable, and effective financial services and protection mechanisms for minors at the institutional and operational levels.