"I'll give you a credit card, with unlimited limit, and you can use it as you like..." This is a common plot in TV dramas, especially idol dramas. The card used by one's relatives or male and female friends is usually a supplementary card, because the main card cannot be used by others.

In reality, not everyone can apply for a credit card. If some people who do not meet the conditions want a credit card, they can only ask relatives to help them get an additional card. The most common people who cannot apply for the main card include those who do not meet the age requirements, such as those who are under 18 years old or over 65 years old; those who do not have a regular job, such as housewives, freelancers, etc., and others who do not meet the conditions for applying for the card. situation.

There is also a need to pay attention to applying for a credit card for a relative. You cannot apply for it casually. After applying, there are some precautions in daily use and repayment process. In this article, I will tell you some knowledge about credit card supplementary cards.

Who can apply for a supplementary card?

Generally speaking, credit card supplementary cards can only be applied for immediate family members. Some banks will have specific requirements, such as requiring that they can only be applied for parents, spouses, and children. Of course, if you apply for it to be used by male and female friends, it won’t be a big problem.

In addition, banks will also have certain age restrictions on supplementary card applicants. For example, some banks require that only relatives over 16 years old can apply.

How to apply for a supplementary card?

To apply for an additional card, you must already have a primary card. The primary cardholder needs to apply to the card-issuing bank. Generally, the application can be made through the bank counter, bank official website, online banking, mobile banking, or official WeChat. Wait for channels to apply for supplementary cards. The application threshold for supplementary cards is usually much lower than the application threshold for primary cards, and there are no restrictions on the work, income, etc. of supplementary card holders. After the supplementary card application is approved, the bank will send the card.

Is there an annual fee for the supplementary card?

This depends on the card type. Generally, there is no annual fee for the supplementary card of the Gold Card. The annual fee of the high-end Platinum Card itself is relatively high, and the supplementary card applied for may also have it. The annual fee is even expensive. Supplementary cards with annual fees will also enjoy certain rights and interests. As for whether the supplementary cards with annual fees are worth applying for, applicants need to make a comparison of costs and benefits based on their own card swiping habits.

Can supplementary cards enjoy discounts?

This also depends on the specific rules of bank preferential activities. Most preferential activities allow supplementary cards to participate, but some activities stipulate that the participation rights of supplementary cards and the main card are combined. In some cases, Promotions can only be participated by the main card, supplementary cards cannot participate, please refer to the rules of each activity.

What is the limit of the supplementary card?

Generally, the supplementary card and the main card have a certain limit. For example, if the main card has a limit of 20,000 yuan, then the limit available for the supplementary card is also 20,000 yuan.

How to repay supplementary cards?

When you use an additional card to make purchases, the bill will be included in the main card bill. The supplementary card usually cannot be repaid separately and needs to be repaid by the main cardholder.

Is there a limit on the number of supplementary cards I can apply for?

It also depends on the card type. Some card types have an unlimited number of supplementary cards, while others are limited to one or three cards, and there will be a clear quantity limit.

The above is the relevant knowledge about credit card supplementary cards for your reference.