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 a certain link. At this time, you must find the reason and solve it. Applying for a credit card will be easy
How to get an additional card for a Bank of China credit card ?
If you already hold a Bank of China credit card and the card supports the application of additional cards, you can apply for an additional card through the Bank of China counter.
The above content is for your reference, please refer to actual business regulations.
Credit card? What does supplementary card mean?
The supplementary card is relative to the main credit card. All transaction amounts and corresponding interest and fees on the supplementary card are included in the main card account, and the main cardholder bears all repayment responsibilities. However, the principal cardholder and the supplementary cardholder are jointly and severally liable to each other for repaying the amounts owed.
First, the supplementary card is relative to the main card. Each principal cardholder who opens a credit card can apply for an additional card for other natural persons with full capacity for civil conduct, or natural persons with limited capacity for civil conduct who are over 13 years old (applicants for supplementary cards who are under 18 years old must obtain the consent of its legal representative). To apply for an additional credit card from any bank, your parents, siblings, spouse or children must have the bank's main credit card, and the applicant must be over 16 years old. In addition, you need to provide the bank with a copy of your valid ID card.
Second, what is the limit of the supplementary card?
The limit of the supplementary card depends on the limit of the main card. To put it simply, it is the limit of the main and supplementary cards.
1. Suppose your main credit card limit of China Merchants Bank is 20,000 yuan. Without any restrictions, the supplementary card of this main card can also enjoy the consumption limit of 20,000 yuan. But there is a authority here, that is, the main cardholder has the right to limit the available limit of the supplementary card to prevent the supplementary cardholder from abusing the limit, causing repayment difficulties or even overdue payments. Therefore, in fact, the limit of the supplementary card in the true sense depends on the authority granted to you by the principal cardholder
Third, because one principal card can handle multiple supplementary cards, in order to reasonably allocate the credit limit, and To ensure rational consumption behavior, I would like to remind primary cardholders that it is best to set certain limits on the amount of supplementary cards. Supplementary card application method: The main card and supplementary card can be applied simultaneously. Just check the supplementary card column when applying. If the main card has been issued, the main cardholder shall submit an application for an additional card to the bank: the main cardholder of the credit card downloads the application form from the official website of the card issuer or goes to the branch to collect the application form, fill in the main card and supplementary card fields, the main cardholder and The holder of the additional card will sign in the signature columns of the main card and the additional card respectively. A copy of the supplementary cardholder's ID card must also be attached, and then the application form and related materials must be submitted to the card-issuing bank branch.
That’s it for the introduction of credit card sub-cards.