Can a bank card be bound to my husband’s credit card?

Yes, the premise is that the cardholder (your husband) goes to the bank with you to change the reserved mobile phone number, so that you can bind the mobile phone card and check the account status at any time.

General credit cards have main cards and supplementary cards. Both of them use one fund account, but they must be applied for separately. At the same time, the main card and the supplementary card are relatively independent, and different transaction passwords can be set.

Supplementary cards can be said to be derivatives of the main card. They use the funds and credit limit of the main card. The amount of overdraft consumption will eventually be returned by the main card applicant, so people who use supplementary cards do not Documentation proving financial ability is required. If your spouse or immediate family member does not meet the application conditions for a credit card or is not old enough to apply for a main card but needs a credit card, he or she can apply for a supplementary card based on your main card.

The premise for the existence of the supplementary card is the existence of the main card. The consumption repayment and credit history of the supplementary card are recorded on the head of the main card holder. Therefore, the main card holder should pay attention after applying for the supplementary card and make sure that the card is used by a trustworthy person, preferably a spouse or immediate family member.

In addition, since the main card and the supplementary card have the same credit limit, two people may not know how much the other party has consumed during use. Once the consumption limit exceeds the credit limit, the merchant will have to ask the card-issuing bank Making temporary over-authorization will bring inconvenience to consumers.

The main bank card and the supplementary card are different. The differences between the main card and the supplementary card are as follows:

1. The annual fees are different

The main card has an annual fee The supplementary card also has an annual fee, which is generally about half of the annual fee of the main card. Like the main card, most supplementary cards have annual fees that can be reduced by swiping the card a certain number of times or a certain amount.

2. Different credit limits

Both the primary card and the secondary card have consumption functions, and the overdraft limit of the secondary card is lower than that of the primary card. The limits of the main card and the supplementary card are the same. When the overdraft limit of the main card has reached the upper limit, the supplementary card cannot continue to spend.

The cumulative overdraft limit of the main card and the supplementary card cannot exceed the maximum overdraft limit of the main card, then the supplementary card cannot make purchases, and the cumulative credit limit of the two credit cards must not exceed the maximum limit of the card.

3. Different rights and interests

The main card belongs to the account holder and must have the right to decide on changes and cancellations of the account. It also has absolute management rights over the secondary card. The primary cardholder of a credit card can apply for multiple supplementary cards from the bank, or change the cardholder of the supplementary card. However, the holder of the supplementary card cannot apply for the supplementary card of the main card or change the cardholder information.

The primary cardholder can set the limit of the secondary card. When the cardholder cancels the primary card, the secondary card will not be able to be used. When the primary cardholder cancels the secondary card, the secondary card will no longer be able to be used. If there is any outstanding debt on the secondary card, it will be fully repaid by the primary cardholder. If the main card or secondary card is lost, the consumption of the other card will not be affected.

How do I bind my husband’s bank card to my mobile phone?

There are two ways to bind a mobile phone number: binding a mobile phone number online and going to a business office to bind it.

The first method: Bind mobile phone number online: First, log in to your bank account. After logging in, select the customer service option in the menu bar at the top of your personal homepage; under the customer service option, click the online banking security management option menu; after clicking the online banking security management option, a menu containing four small options will pop up. In this menu, click Security Verification Mobile Number, and then click Register Security Verification Cell Phone Number on the right. In the registration number step, first select the account number and then enter the mobile phone number. After entering, click to get the mobile phone verification code. After clicking, a text message will be sent to the mobile phone, and a verification code will be displayed on the mobile phone. Enter the verification code in the blank space of the mobile verification code and click the Submit button. The mobile phone number is bound successfully.

Second option: Go to the counter of the business hall. The specific process is as follows: Go to the corresponding bank business hall with your ID card and bank card and queue up at the same time; fill in the business application form, select "Bind mobile phone" in the application business column, and attach the mobile phone number that needs to be bound now. After making the call, hand your bank card, original ID card, ID copy and business application form to the counter staff for mobile phone binding.

Operating environment: China Construction Bank 5.6.0

: Process of binding bank card to mobile phone

Binding bank card to mobile phone means to bind the mobile phone number with the bank Card binding. This operation cannot be completed online.

I have to go to the bank to change my mobile number. The specific steps are as follows:

1. Queue with the staff at the place where you apply for bank cards.

2. Fill out the business application form, select "Bind Mobile Phone" in the application business column, and attach the mobile phone number that needs to be unbound. (If you have any questions about other items in the application form, you can refer to the template provided by the bank or consult the bank lobby manager. Different banks need to fill in different application forms. For example, the "Other Business" Application Form needs to be filled in.)

3. After making a call, hand the bank card, original ID card, copy of ID card and business application form to the counter staff to complete the mobile phone binding

How to set up my husband’s credit card

Use WeChat or Alipay to bind your husband’s credit card. During this operation, your mobile phone needs to receive the verification code and bind it. When paying later, choose to use your husband’s credit card first...

Let’s talk about how to bind credit cards here.