Does the customer need to fill out a new application when completing this birthday upgrade?

Yes. When a child turns 17 they are considered an adult cardholder and become financially responsible for the items checked out on his/her card. They will need to complete a new application where he/she will sign as the account owner. The customer does not need a new card unless he/she don’t want to keep their child’s card. No fee is charged for the new card as long as they are trading in the other card.