Generally speaking, any credit card consumption of the secondary card is included in the bill of the main card, and the repayment date is repaid by the main card owner. If it is overdue, it needs to include high overdue interest and handling fee, leaving a bad credit record. The consumption bill of the secondary card of the credit card is all included in the bill of the main card, and only the cardholder of the main card needs to repay when repaying. If the credit card consumption of the secondary card cannot be repaid in full and on time, it will be regarded as overdue by the main card owner, and the bad credit record will also belong to the main card owner.