Master card applicants can also apply for supplementary cards for spouses, children, parents and relatives, and each master card can apply for up to three supplementary cards.
Generally, bank cards have a primary card and a secondary card, sharing a fund account, but they need to apply separately. At the same time, the main card and the auxiliary card are relatively independent, and they can set their own different transaction passwords.
The supplementary card can be said to be a derivative of the main card. With the funds and credit line of the main card, the overdraft consumption is finally returned by the applicant of the main card, so the person who uses the supplementary card does not need proof of financial ability. If your spouse or immediate family members do not meet the requirements for applying for a credit card or are not old enough to apply for a master card, but need a credit card, you can apply for a supplementary card on the basis of the master card.
The premise of the existence of the secondary card is the existence of the main card, and the consumption repayment and credit records of the secondary card are recorded on the head of the main card holder. Therefore, the cardholder of the main card should pay attention after handling the supplementary card, and must give the card to someone who can be trusted, preferably a spouse or immediate family member. In addition, because the credit lines of the main card and the auxiliary card are the same, two people may not know how much the other party spent during the use. Once the consumption limit exceeds the credit limit, the merchant will also ask the issuing bank to temporarily exceed the authorization, which will bring inconvenience to consumption. Therefore, users of the main card and the auxiliary card should communicate frequently to avoid excessive communication. In terms of points, the credit card consumption points of supplementary cards are ultimately accumulated on the main card consumption points.
The connection between the main card and the supplementary card:
1. supplementary cards, like the main card, are swiped several times a year, and the annual fee for the following year is generally exempted.
2. Quota: the supplementary card and the main card share the quota. If the overdraft limit of the main card is 20,000 yuan, the sum of the overdraft limits of the main card and the auxiliary card cannot exceed 20,000 yuan within one month.
3. The points obtained from the consumption of the secondary card and the consumption points of the main card can be merged, but only the main card holder has the right to exchange the points for gifts.
4. Whether the supplementary cardholder swipes the card or the main cardholder swipes the card will affect the credit of the main cardholder.