Can minors apply for an IC card, and can minors apply for a calling card?

Yes, first of all, you have to open an account Take your ID card to the bank counter (if you don't have it, you can use the account book) Fill out a form at the bank, and you can get your card in 5 minutes The cost of the card is 5 yuan (free card fee for Bank of China), the annual fee is 10 yuan (free annual fee for post), the minimum deposit is 1 yuan (10 yuan for CCB), and the average daily balance is less than 300 yuan, and a small account management fee of 3 yuan per quarter is charged Then open online banking In fact, the procedure for opening online banking is very simple. Generally, you log in to the opening bank**, click to log in to the online banking, and then click to open the online banking service, read the agreement, fill in the relevant information, and submit it to completion. Of course, after opening online banking, you also need an electronic certificate to carry out online transfer and other functions.

Before opening CCB Online Banking, you must have a CCB account. The same goes for other banks. Login to China Construction Bank**.

Click on "Login to Online Banking" in the top left corner of the webpage; A new page will automatically appear, click on the upper right corner of the page to activate online banking services; Read the Online Banking Personal Customer Service Agreement and click Agree. Then fill out the online banking application form. Once the submission is completed, the online banking service will be activated.

The application for e-Cert is usually handled at the bank. After that, log in to Online Banking** to install the certificate. Once installed, you will be able to enjoy the speed and convenience of online banking with ease and ease online.

Legal analysis: The specifications and requirements for applying for ** cards for minors under the age of 18 are as follows:

1. Minors under the age of 10: cannot be handled; Minors aged 10-16 (excluding those aged 16) must provide valid documents and go to the business hall accompanied by their guardians (guardians need to bring their valid documents).

2. Minors who have reached the age of 16 to before the age of 18: have proof of income (labor contract or other income certificates): bring valid certificates and income certificates to handle it by yourself.

Legal basis: Provisions on the Protection of Personal Information of Telecommunications and Internet Users Article 2: These Provisions apply to the collection and use of users' personal information in the course of providing telecommunications services and Internet information services within the territory of the People's Republic of China.

Legal analysis: Yes, but you must have an ID card. After the launch of the mobile phone real-name system, the mobile phone card sold must be registered with the real name, and the user must show the ID card to handle the ** card business.

Legal basis: "Law of the People's Republic of China on Resident Identity Cards" Article 12: Where citizens apply to receive, renew, or reissue resident identity cards, the public security organs shall promptly handle them in accordance with provisions. The public security organs shall issue resident identity cards within 60 days from the date on which the citizen submits the "Registration Form for Application for Resident Identity Card"; In areas with inconvenient transportation, the processing time may be appropriately extended, but the extension time shall not exceed 30 days.

Citizens who urgently need to use their resident identity cards during the period of applying for collection, replacement, or replacement of resident identity cards may apply for temporary resident identity cards, and the public security organs shall promptly handle them in accordance with provisions. The specific measures shall be prescribed by the public security department.

10 years old and above are fine. The specifications and requirements for minors under the age of 18 to access the network are as follows:

1. Minors under the age of 10 cannot be handled.

2. Minors aged 10-16 (excluding those who have reached the age of 16): must provide valid documents and go to the business hall accompanied by their guardians (guardians need to bring their valid documents).

3. Minors who have reached the age of 16 to before the age of 18: have proof of income.

Labor contract or other income certificate): Bring valid documents and income certificates to handle it by yourself; No proof of income: You must provide valid documents and go to the business hall accompanied by your guardian (the guardian needs to bring your valid documents).

Data Expansion: Civil Code

Article 17 stipulates: "A natural person over the age of 18 is an adult. Natural persons under the age of 18 are minors. ”

Article 18 stipulates: "Adults are persons with full capacity for civil conduct and may independently carry out civil juristic acts.

Minors over the age of 16 who live on their own labor income are regarded as persons with full capacity for civil conduct. A natural person between the ages of 16 and 18 who lives mainly on his or her own labor income shall be regarded as a person with full capacity for civil conduct."

Article 19 of the Civil Code stipulates that "minors over the age of eight are persons who are capable of restricting civil acts, and the implementation of civil juristic acts shall be carried out by their legal ** or with the consent and recognition of their legal **, but they may independently carry out civil juristic acts that are purely beneficial or civil juristic acts that are appropriate to their age and intelligence." ”

Article 22 of the Civil Code stipulates that "an adult who cannot fully recognize his or her own behavior is a person with limited capacity for civil conduct, and the civil juristic act shall be carried out by his or her legal ** person or with the consent and recognition of his or her statutory ** person, but may independently carry out civil juristic acts that are purely beneficial or suitable for his intellectual and mental health conditions." ”

Minors can apply for a bank debit (savings) card. However, it should be noted that if you are over 16 years old but under 18 years old, you can go to the bank counter with your identity document, but you cannot apply for online banking; If you are under the age of 16, your guardian needs to bring relevant documents to accompany you to the bank counter.

You can apply for a bank card if you are at least 16 years old.

If you are over 16 years old but under 18 years old, you can apply for a bank card at the bank with your ID card and a copy or your account book and a copy, but you are not allowed to open online banking; Under the age of 16, in the presence of a guardian, you can only apply for a bank card with your household registration book or ID card, and online banking is not allowed to be opened.

Extended information: China's banks are basically unified, and you must be at least 18 years old to handle online banking business. Customers under the age of 18 must be accompanied by a guardian**.

Therefore, parents can help to open online banking. Therefore, when you are over 16 years old, you can apply for a bank card of any domestic bank with your ID card.

The process is as follows: I bring my original ID card to the bank where I want to open an account; Fill out the application form with the assistance of the lobby manager; Give your ID card and application form to the staff, enter the password and sign it according to the staff's instructions.

Debit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring, depositing and withdrawing cash, and spending.

A special card is a debit card that is used in a specific area for a specific purpose (referring to the purpose other than the department store, restaurant, and entertainment industry), and has the functions of transferring money and depositing and withdrawing cash. A prepaid wallet-type debit card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and deducts the money directly from the card during the transaction.

Debit card can be used to transfer and withdraw money through ATMs for online or POS consumption or transportation of rotten potatoes, and cannot be overdrawn, and the amount in the card is calculated and paid interest according to the current deposit. Funds are transferred directly from the savings account when spending or withdrawing. Debit cards generally require a PIN to use.

Debit cards can be divided into regular, gold, and platinum cards according to their levels; According to the scope of use, it can be divided into domestic cards and international cards.

In December 2015, the China Banking Regulatory Commission (CBRC) issued the Notice on Matters Related to the Banking Industry's Crackdown on New Illegal Crimes in Telecommunications Networks (hereinafter referred to as the "Notice"), which stipulates that from January 1, 2016, the same customer shall not open more than 4 debit cards in the same institution in principle (excluding social security cards).

At the same time, the "Notice" also stipulates that "in principle, no more than 3 cards shall be opened by the same person in the same commercial bank." **The debit card issued can only be used after the card is activated at the counter with a valid ID card. ”

The Notice also requires that for customers who already have more than 4 debit cards, banks should take the initiative to contact customers for verification, and if they find that they do not want to handle it, they should suspend the service.

If you need to open an account, you can't.

If you handle other banking business, it depends on the specific situation, which is as follows:

1.If you are an adult with Chinese household registration, you can't do a passbook ruler in the bank without an ID card, and you can only open an account in the bank with the original ID card or a temporary ID card, and others include a copy of your ID card, a driver's license Hongliang Cave, a social security card, a household registration book, and a student ID card. Minors can apply for a bank card with their guardian with their guardian.

2.Passports only support foreigners, not those with Chinese household registration. The Hong Kong, Macao and Taiwan Permit only supports Hong Kong, Macao and Taiwan compatriots.

3.If you don't have an ID card, you can go to the bank to handle business, but depending on what kind of business, some businesses that don't require ID cards can be done, such as depositing money to bank cards, transfers, and deposits without cards and passbooks.

4.It is not possible to do business that requires an ID card, such as a bank card, a passbook, or a bank card and passbook loss report. It's best to bring your ID card, otherwise you may run in vain.

According to Article 28 of the Measures for the Administration of Bank Card Business in China, when an individual applies for a bank card (except for stored value card), he or she shall provide the card-issuing bank with his/her valid identity document as prescribed by the public security department, and open a registered account for him after passing the examination by the card-issuing bank. The specific valid identity documents are:

1.Chinese citizens residing in China, who are resident identity cards or temporary resident identity cards;

2.Chinese citizens under the age of 16 residing in China, household registration booklet or ID card (valid for 5 years);

3.Chinese People's Liberation Army soldiers, for military identity documents; Chinese People's Armed Police, which is the identity document of the armed police;

4.Hong Kong and Macao residents, Mainland Travel Permit for Hong Kong and Macao Residents; Taiwan residents, Mainland Travel Permit for Taiwan Residents or other valid travel documents;

5.A valid document for foreign citizens is a passport.