For a person who is over 18 years of age and has the capacity to discern, preventing them from getting/using a credit card is only possible if they are placed under legal restriction (guardianship) by a court decision. In this case, cards will not be issued to people subject to a restriction decision without the consent of their guardian, and the guardian appointed by the court decision may also apply to the relevant banks to request the cancellation of the restricted person's credit cards.
How does the restriction process work?
The restriction decision is made by a court and limits the person's legal capacity to act. When the decision is made, a guardian may be appointed; the guardian makes the necessary requests regarding the person's financial transactions.
When this decision is notified to the banks, new cards can be prevented from being issued. The process is a legal matter; the person or their relatives should seek support from a lawyer.
Without a court decision, the bank cannot cancel a card at the request of the cardholder's relatives; however, cardholders can always cancel their own cards.
