There is a difference between applying for Bank of China credit card principal card and supplementary card.

Introduction:

First of all, the supplementary card can be said to be a derivative of the main card. It uses the funds and credit limit of the main card. The amount of overdraft consumption is ultimately paid by the main card. It is returned by the applicant, so people using supplementary cards do not need proof of financial ability. 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.

Therefore, users of the primary card and supplementary card should communicate frequently to avoid exceeding the limit. In terms of points, the consumption points of the supplementary card will eventually be accumulated on the consumption points of the main card.