The conditions for minors to apply for supplementary cards are: immediate family members of the main cardholder, 14 years old or above, and have ID cards. The secondary card is relative to the primary card. Every master cardholder who opens a credit card can apply for a supplementary card for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct over 13 years old. If the supplementary card applicant is under the age of 18, the consent of his legal representative must be obtained.

The following materials are required to apply for supplementary cards:

1. Copy of valid identity certificate of the supplementary card applicant;

2, the main card and supplementary card applicants need to sign the application form;

3. You must fill in the complete main card number and validity period in the column of the application form.

All transaction funds, corresponding interest and expenses of the secondary card are included in the account of the primary card, and the cardholder of the primary card bears all repayment responsibilities. However, the primary cardholder and the secondary cardholder shall be jointly and severally liable for each other's debts.

legal ground

Measures for the supervision and administration of credit card business of commercial banks Article 44 The issuing bank shall not issue credit cards (except supplementary cards) to customers under the age of 18. Article 45 There shall be no more than two issuing banks (except supplementary cards) that issue student credit cards to the same applicant.

Before issuing student credit cards, the issuing bank must confirm the second repayment source, obtain written guarantee materials that the second repayment source (parents, guardians or other managers) is willing to repay on its behalf, and confirm the authenticity of the second repayment source identity. Before increasing the student credit card limit, the issuing bank must obtain the written guarantee materials from the second repayment source (parents, guardians or other managers, etc.). They agree and are willing to repay on their behalf.

A commercial bank shall formulate a management system for student credit card business according to the principle of prudence, and evaluate, calculate and reasonably determine the first credit line of its student credit card and the highest credit line adjusted according to the card usage according to the actual situation of business development. Student credit cards are not allowed to be used beyond the limit. Article 41 The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.