What is the method for applying for a supplementary card with a credit card?

How to apply: Bring your identity documents, workplace salary certificates, financial certificates (copies of the most recent two to three monthly statements of commonly used credit cards, copies of self-owned real estate certificates, etc.) Just fill in the form at the bank front desk.

Prerequisite: The principal cardholder must apply in person.

Processing time: It usually takes 15-30 working days to apply for a credit card supplementary card for approval. Sometimes it takes longer, so it is recommended to call the bank's customer service to inquire about the progress of the process.

The credit card is the main card, and the supplementary card is a supplementary card applied for on the main card.

1. Application conditions:

(1) Application for main card and supplementary card: Applicants for supplementary cards must be direct relatives of the main card applicant, such as spouse, parents, brothers sisters.

(2) Applicants for the main card must be over 18 years old, and applicants for additional cards must be over 14 years old.

2. The following information is required:

(1) Identity documents: If the applicant for the main card and supplementary card is a domestic resident, he or she must provide a copy of the resident ID card or military officer ID card , application for main card for people aged 18-60 years old and application for supplementary card for people aged 16-65 years old;

(2) Work unit salary certification document: the salary slip issued by the applicant’s work unit can be Or proof of income (need to be stamped with the unit’s financial seal or the unit’s official seal).

(3) Documents proving financial resources: Copies of the most recent two to three monthly statements of commonly used credit cards, copies of self-owned real estate documents, and original and duplicate copies of motor vehicle registration certificates.

3. Issues that need attention

(1) The supplementary credit card is referred to as the supplementary card and has a subordinate relationship with the main credit card.

(2) The main card and the supplementary card belong to the same account and enjoy the credit limit. All debts incurred by the holder of the supplementary card when using the credit card shall be borne by the holder of the main card and shall be borne by the main cardholder. The cardholder repays the card to the card-issuing bank.

How to apply for a supplementary credit card? These conditions must be met

Credit cards can be divided into primary and secondary cards. Under normal circumstances, a primary credit card can be used for 3 secondary cards. The secondary cards can share the rights and benefits of the primary card and enjoy *** Credit limit. Want to know how to apply for a supplementary credit card? Please read on.

1. Conditions for applying for additional credit cards

1) Age conditions

Banks have certain age restrictions for customers who apply for additional credit cards, and each bank has different requirements : The supplementary card of Bank of Communications credit card must be over 11 years old; the supplementary card of Minsheng Credit Card and CCB Credit Card can be applied for by those who are 13 years old; the supplementary card of China Merchants Bank Credit Card and Agricultural Bank of China Credit Card can be applied by those who are 14 years old; most bank credit card supplementary cards are only issued to those who are over 16 years old. applicant.

2) Relationship with the main cardholder

Generally, the person applying for the secondary credit card must be the parents, children, spouse and other immediate relatives of the main cardholder. If it is only a male, It can’t be done with a girlfriend or just a friend.

2. How to apply for a supplementary credit card

It is easier to apply for a supplementary credit card than a main card. Not only are the application conditions looser, but the application procedures are also simpler. There are two main ways to apply for a supplementary credit card:

1) Apply with the main card

When applying for a main credit card, the main card applicant only needs to fill in the following fields in the credit card application form: Check the "Apply for Additional Card" column and fill in the personal information of the additional cardholder. The primary and secondary credit cards will be sent together.

2) Apply after applying for the main card

The main cardholder needs to go to a bank branch to get it or download the application form from the bank's official website, and include the main card information in the application form . Fill in the information in the supplementary card column, sign the names of the main cardholder and the supplementary cardholder respectively, and submit it to the bank.

Everyone must already know how to apply for an additional credit card. I solemnly remind everyone not to apply for an additional card for non-immediate family members. Otherwise, if the additional cardholder fails to repay the overdraft, the account will be lost. You need to bear it.

How to apply for a supplementary credit card?

There are two ways to apply for a supplementary credit card:

1. Apply at the same time as the main card: when applying for a credit card , when filling in the application form, check to apply for an additional card, and fill in the identity information of the additional cardholder at the same time.

2. Follow-up processing of the main card issuance: After the main card is issued, the main cardholder needs to go to the corresponding bank branch to fill in the supplementary card application form, provide the main card, and the supplementary cardholder's identity information and then submit it Just give it to the bank.

What is a supplementary credit card?

A supplementary card of a credit card, in other words, is a supplementary credit card to the main card. The main card and the supplementary card use one account. The holders of the supplementary card can only be the parents, spouse, children, etc. of the main card holder. The operations of opening the supplementary card and setting the password are independent, but The cardholder of the main card can handle it on his behalf, and the annual fee is lower, half that of the main card. The main card can master all transaction information of the secondary card, and all transaction details will be listed on the statement of the main card. Consumption, cash withdrawal and other handling fees are calculated and collected from the main card account.

What issues should be paid attention to during the credit card application process?

1. The information filled in the credit card application is incorrect

When applying for a credit card, you will submit your workplace information. The bank will comprehensively judge the applicant's work situation, income and future repayment ability based on the work unit, position and working years filled in by the applicant. College students can apply for the campus version of the credit card.

2. The credit card application conditions are not met

If you want to apply for a credit card, you must meet these conditions. First, the age of the applicant must be between 18 and 60 years old. Second, the applicant must have a stable job and income. Third, the applicant’s personal credit is good. Many people may overlook one of the conditions when applying for a credit card, which can lead to difficulties in the card application process. For example, when proving your income, many people who have income but are still interns may not meet the application conditions for certain credit cards.

3. The credit card application agency is irregular

Nowadays, people’s spending power has improved, and they all want to apply for credit cards to facilitate payment. But be careful when applying for a credit card, because there are many credit card application agencies now. These intermediaries are informal processing agencies. If you encounter this situation during the process of applying for a credit card, you must refuse it in time. If you want to apply for a credit card, you must apply on the official credit card website or go to a business outlet.

After the above introduction, everyone should be aware of the problems that may arise during the credit card application process. If you have difficulty applying for a credit card, there must be a problem in some link. At this time, you must find the reason and solve it. Applying for a credit card will be easy

Requirements for applying for a credit card supplementary card

Supplementary credit cards are relative to the main card. Generally, a main credit card can apply for up to two supplementary cards. The following are the application conditions for credit card supplementary cards of each bank:

1. Conditions for applying for CCB supplementary card

1. Applicants for supplementary cards must be 13 years or older (inclusive)

< p>2. Provide proof of identity (copy of ID card or household register)

3. Consent of the main card applicant

4. Those under 18 years old can only apply for other Supplementary card for legal guardian

2. Application conditions for ICBC supplementary card

1. Applicants for supplementary card must be 13 years or older (inclusive)

2. Card applicants must have full civil capacity

3. Supplementary card applicants must be direct relatives of the main cardholder

3. Agricultural Bank of China supplementary card application conditions

1. The applicant must be the main cardholder, and the main cardholder’s account must be a Type I account

2. The supplementary cardholder must be over 16 years old and must be the main cardholder. Immediate family members of the cardholder

3. The credit card must open an additional card