How many years can I get a bank card? The answer to a similar question should be found by every modern citizen. After all, cashless payments are used almost everywhere and always. The absence of a bank card greatly complicates the operation and makes it impossible. So what do banks offer their customers? At what age can I become the owner of plastic from a particular financial institution?
Card types
Initially, do not rush. After all, there are various types of cards. It is important to understand and remember. Often the answer to the question we are studying depends on the type of plastic used.
There are debit cards. This is a plastic attached to a special account in a financial company. First, the account is replenished, and then certain expenses are made.
You can also meet with credit cards. A similar plastic opens a credit account. In this case, the person first spends the allocated funds, and then closes the debt.
These are the main types of plastic that are found in practice. How many years can I get a bank card?
Variety of offers
The answer is not as simple as it seems. After all, it all depends on the circumstances. And from the bank with which the citizen plans to cooperate.
Great attention is paid to debit cards. They are also different. Which ones?
The following types of debit banking plastic are found:
- ordinary ("Visa", "Maestro", "MasterCard");
- children’s;
- youth.
Of course, the age of its holder will depend on the chosen type of card. What can a potential customer expect?
Credit cards
How many years can I get a bank card in Belarus or in Russia? Let's start with credit cards. They are popular, but not everyone works with them.
The thing is that credit cards are issued only after reaching adulthood. That is, to 18 years. Some types of credit cards can only be issued after 21 years. This is a fairly common occurrence.
Children's plastic
How many years can I get a bank card in Kazakhstan? If we are talking about credit cards, you have to wait until 18 or 21 years. But, as we already said, often people work with debit plastic. It does not imply the issuance of loans and borrowings.
Now there are so-called children's debit cards. They are made especially for minors. At what age is this type of plastic allowed?
It all depends on the financial institution with which the client will deal. As a rule, the majority of citizens have the right to release children's plastic after the child reaches the age of seven.
Youth Offers
On this, the possible handouts do not end there. In the case of credit cards, you have to wait until adulthood. But debit cards are usually allowed to be used much earlier.
Modern financial organizations have special youth cards. They are intended for persons from fourteen years old. Accordingly, a teenager will be able to make himself such a plastic. It is enough to have an identity card with you. Namely - a civil passport. Without it, issuing youth cards is impossible.
Bank Offers
As we have already said, often the answer to a question of interest to us directly depends on which financial institution the client will cooperate with. But what should a person expect in reality?
How many years can I get a Alfa-Bank bank card? Usually this financial institution issues special youth cards for children who have reached the age of obtaining a passport. But VTB and Sberbank make plastic even for primary school students. There are also special offers for minors from 10 years old. And of course, youth cards, which we have already talked about. They are released after the child has his own civil passport.
Bank Vozrozhdenie today allows to produce bank plastic for children who have reached at least 8 years. But such cards will not be independent, but only for children.
Regular debit
How many years can I get a Sberbank bank card? This topic will no longer cause any difficulties. But there is one more small nuance.
Customers say a number of problems arise in the production of youth and children's cards. Especially if the parents do not have a separate bank card. And then it is impossible to take advantage of certain offers.
To take advantage of all the products of financial companies, citizens must be 18 years old. Or get emancipation after 16 years. Then it will be possible to open any debit card without much difficulty in all banks of Russia.
About baby cards
A few words about what are children's bank cards. This is a debit plastic that can be made by minors. In recent years, it has been very popular in Russia.
Such cards are a duplicate of the main debit plastic - the parent. But at the same time they can be controlled by legal representatives. For example, set a limit on funds and top up an account. That is why children's bank cards are in demand. They do not require opening a separate bank account.
What you need to get a card
We figured out how many years you can get a Visa bank card and more. But how to do that?
Usually for the manufacture of a particular plastic you have to go to the selected bank with a statement and a package of documents. For ordinary debit plastics, a passport is sufficient.
In the case of children's cards, you need to bring along:
- passport of legal representative;
- main bank plastic;
- application for the production of an additional card;
- birth certificate of a child.
It'll be enough. To open a youth card, it is enough to have a civil ID. As a rule, problems with the release of such plastic arise due to the fact that a citizen needs to open a separate bank account in a financial company. And to do this without problems is possible only after reaching adulthood.
Conclusion
Now it’s clear how many years you can get a bank card. And how to do it too. We found that these operations are quick and easy.
It is best to specify the minimum age required to open a bank plastic debit type in a particular financial company. After all, as we have already said, everyone has their own rules on this subject. And somewhere, you can make a duplicate of an adult card from 7 years old, somewhere with 8, and somewhere from 10 years old. This is quite normal.
A person can receive a separate and trouble-free banking plastic only after reaching adulthood. But you can make a youth card. As already mentioned, some people complain that it is sometimes difficult to make such plastic. For example, if you contact Sberbank. There were times when the card was never used - it was not possible to open an account in the name of a minor.