If you are over 16 years old, you do not need to be accompanied by a guardian to apply for a bank card. Just bring your ID card to the bank to apply for it.

1. Application conditions: To apply for a bank card, you need to be at least 16 years old. If you are under 16, you need to be accompanied by a guardian. You can use your username and guardian's ID card to apply for a bank card.

2. Information required to apply for a bank card: To apply for a debit card (i.e. savings card), you need to prepare your ID card.

3. Steps:

1. Bring your ID card to the bank;

2. Tell the lobby manager that I want to apply for a bank card. She I will teach you how to fill in the form;

3. After filling in the form, just give it to the counter. Basically, the lobby manager will accompany you throughout the process;

4. After completing the procedures at the counter, you will be asked to Set a password and finally get a bank card.

When applying for a bank card, your signature must be required. This is a bank regulation and not a legal requirement. The same is true for credit cards. Although the credit cards used daily are set with passwords, as the number of credit card uses increases, the risk of password leakage increases accordingly. After the credit card and password are lost, checking the "back signature" becomes a way to protect the card owner. The final barrier to credit card security. Therefore, according to relevant requirements, the cashier must check whether the cardholder's signature is consistent with the signature on the credit card. If they are different, the consumption transaction cannot be confirmed. It is an irregular operation for merchants not to verify signatures. Cardholders should also establish awareness of safe credit card consumption and consciously sign their names on the back of the credit card to prevent credit card theft. Bank staff remind you that in addition to verifying the "back signature" of the credit card when swiping the card for consumption in shopping malls to ensure the safety of the card owner, when citizens withdraw money from bank ATM machines, if there is a problem with the machine and the card is swallowed, bank staff will not be able to verify the owner. In the case of identity verification, you can also check the signature on the back of the bank card with the signature on the registration book, and use this as a basis to handle card refund and other services. The benefits of having a signature on the back of a credit card are as follows: 1. Consumption is more convenient, and you don’t have to worry about remembering the wrong password, failing to settle, and failing to complete the transaction. 2. The card that has been eaten by the ATM machine can be retrieved with the signature. 3. The merchant has the ability to verify the signature. The bank must also bear the liability for compensation if the credit card is stolen. Therefore, once the credit card is stolen, consumers can obtain compensation from the bank or merchant

Legal basis: "People's Republic of China and Civil Code" Article 18 Adults are persons with full capacity for civil conduct and can independently perform civil legal acts. Minors over the age of 16 who rely on their own labor income as their main source of living are deemed to be persons with full capacity for civil conduct.