The secondary card of a credit card is an accessory card. The main card and the auxiliary card of a credit card can share the credit limit of the main card, and the consumption records are uniformly included in the bill of the main card, and the cardholder of the main card pays the arrears. For example, if the credit limit of the credit card is 20,000 yuan for the main card and 5,000 yuan for the auxiliary card, then the available credit limit of the main card and the auxiliary card in the current month is 1.5 million yuan.
Because the main card and the auxiliary card of a credit card enjoy the same credit limit, the cardholders of the two credit cards may not know how much the other party spent during use, so they should communicate frequently to avoid exceeding the credit limit. ?
In addition to bringing convenience to cardholders, it can also save a lot of transfer fees. Cardholders can use the secondary card to spend money in different places, and there is no handling fee. For example, parents can use the main card of their own credit card to let their children who go to school in different places use the secondary card of the credit card, so as to avoid the handling fee for remittance in different places and keep abreast of their children's consumption.
Extended data:
The difference between the main credit card and the subsidiary credit card.
1. Both the primary card and the secondary card will generate an annual fee, but the annual fee of the secondary card will be cheaper than that of the primary card. However, at present, many banks' credit cards can be spent by credit card, and the annual fee can be exempted if a certain number of requirements are met.
2. The main card and the auxiliary card share the credit line of the main card. For example, if the amount of the main card is 10000 yuan, then the consumption of the secondary card is also deducted from this 10000 yuan. Generally, it is not allowed for the amount of the secondary card to exceed the amount of the primary card.
3. Many applicants for supplementary cards are immediate family members (parents, spouses or children). For example, college students can't apply for credit cards, but they can apply for supplementary cards with their parents. Supplementary cards have the same ability to spend first and then repay.
4. The loss of the primary card will not affect the use of the secondary card. In addition to sharing the quota, the main card and the auxiliary card can basically be regarded as two independent cards. After the loss of the primary card is reported, the use of the secondary card is not affected, and vice versa.
5. Ownership: The ownership of the secondary card belongs to the primary card, and the primary card can perform any operation on the secondary card, including freezing and account cancellation.
References:
China Industrial and Commercial Bank-MasterCard Difference