Supplementary card applicants under the age of 18 must obtain the consent of their legal representatives.
The number of supplementary cards applied by different credit cards is different.
The holder of the main card has the right to request the cancellation of its supplementary card. The credit limit of the secondary card shall be designated by the cardholder of the primary card and shall not exceed the credit limit of the corresponding primary card.
If the cardholder of the main card is not specified, the credit limit of the auxiliary card is the same as that of the main card.
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 the debts owed.
Extended data:
Bank card product type:
1, depending on the card issuer:
(1) Bank card:
This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
(2) Non-bank card:
This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries for purchasing air tickets and dining.
2. According to the different distribution objects:
(1) company card:
Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
(2) Personal card:
Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
3. According to the credit status of the cardholder, such as credit standing and status:
(1) ordinary card:
Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
(2) Gold card:
Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
4. According to different payment methods:
(1) Credit card:
That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
(2) Quasi-credit card
It's a credit card issued by the bank. Deposit first and then spend. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
5, according to the different credit card circulation scope:
(1) international card:
International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, Visa, American Express, JCB and Diner's Cardo issued by five overseas groups are international cards.
(2) regional card:
Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.
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