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Problems of Ping An Credit Card's Primary Card and Secondary Card
The secondary card also has an annual fee. Just like the main card, the annual fee is free in the first year and six times in the second year.

The secondary card can only be handled through your father, so it doesn't matter whether you are a college student or not. You can log on to the Ping An Credit Card website online, but it is more troublesome and you have to mail the information yourself. It is better to go to the counter.