1. account relationship: the main card and the auxiliary card belong to the same account and enjoy the credit line. However, the credit limit of the secondary card is controlled by the main card, and usually the credit limit of the secondary card will not exceed that of the main card.
2. Annual fee: Generally speaking, the annual fee of the supplementary card is lower than that of the main card, and the annual fee of the supplementary card of some banks can even be reduced by the number or amount of swiping the card.
3. rights and obligations: the main card holder enjoys higher rights, such as adjusting the credit limit of the secondary card and deciding whether the secondary card is available. At the same time, the main card holder also needs to bear greater repayment responsibility. Deputy card holders have relatively few rights, but they also need to repay on time.
4. application conditions: the application conditions for the master card are usually more stringent, which requires the applicant to have a good credit record and repayment ability. The application conditions for the secondary card are relatively loose, and generally only the consent of the main card holder is required.
5. Cardholder: The main cardholder is usually the main person in charge of the account, while the supplementary card can be issued to the immediate family members of the main cardholder, such as spouse, children or parents.
6. billing and repayment: the primary card and the secondary card will receive their own bills, but the repayment is usually the responsibility of the primary card holder. Some banks allow the holder of the secondary card to repay directly to the secondary card account.
7. scope of use: the scope of use of the main card and the auxiliary card is basically the same, but some special functions or offers may be limited to the holders of the main card.
8. report loss and reissue: if the main card or the auxiliary card is lost, report loss and reissue it separately. After the loss is reported, the card that has not been reported can still be used normally. When a new card is reissued, the transaction information and limit of the original card will be transferred to the new card.
9. Points and benefits: The points generated by the main card and the auxiliary card during use are usually calculated together, but some preferential activities may be limited to the main card holders.
1. legal liability: the main card holder is liable for the overall debt of the account, while the deputy card holder is only responsible for his personal use. When an illegal act occurs, such as fraud or theft, both the holder of the primary card and the holder of the secondary card may bear corresponding legal responsibilities.