"How to apply for a supplementary credit card?"
Mr. Zhang, a 36-netizen, whose child goes to college in other places, wants to apply for a credit card for his child because of the frequent daily consumption of college students and the inconvenience of using cash. However, according to the relevant regulations, college students who are not working at present cannot apply for a credit card, so Mr. Zhang considers applying for an attached credit card for his child. However, Mr. Zhang is not sure how to handle the attached credit card, so he consulted me.
I have compiled the following knowledge for your reference:
1. How to apply for a supplementary credit card?
generally speaking, the bank has regulations on the relationship between the supplementary credit card applicant and the main cardholder, and generally only the close immediate family members can apply for supplementary cards, and the age of the supplementary credit card applicant is limited. For example, Bank of Communications stipulates that "handling supplementary cards must be related to the principal cardholder's parents, children, (foreign) grandchildren, spouses, spouses' parents and (foreign) grandparents, and they must be at least 11 years old to handle them"; China Merchants Bank stipulates that "the main cardholder of credit card can apply for supplementary card for immediate family members (parents, spouses or children), and the applicant must be at least 14 years old".
The specific regulations of different banks are different. When applying for supplementary cards, you may wish to consult the issuing bank first to understand the relevant regulations.
what materials should I provide to apply for a supplementary credit card?
generally speaking, the supplementary card is applied by the cardholder of the main card for his relatives, and the identity certificate of the applicant of the supplementary card is required at the time of application. If the applicant has no ID card, the household registration book can be used when handling the supplementary card.
it is relatively easy to apply for supplementary credit card, mainly because the supplementary card is a sub-card hanging below the main card, and the supplementary card * * * enjoys the limit of the main card, and the bank does not make too many requirements on the qualifications and repayment ability of the supplementary card holders.
Hot card recommendation:
Fast card processing channel: Bank of Communications Wal-Mart Credit Card
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Fast card processing channel: CITIC JD.COM White Bar Co-branded Card
2. How to use the supplementary credit card and how to repay it?
the supplementary card of a credit card is a daughter card hung below the main card, and the supplementary card * * * enjoys the credit limit of the main card.
supplementary cardholders can spend money directly by swiping their cards, which occupies the credit line of the main cardholder. Generally speaking, the amount spent is charged to the bill of the main cardholder. Therefore, the main cardholder can see how much the supplementary cardholder has swiped. Similarly, when paying back, the principal cardholder will pay back the bill in a unified way. Under normal circumstances, supplementary cards cannot log in to online banking independently, and the consumption points of supplementary cards are also accumulated in the name of the main cardholder.
3. Is the annual fee of supplementary credit card high?
The annual fee of the supplementary credit card is lower than that of the main card. Generally speaking, the supplementary card of the gold card and the general card can be exempted from the annual fee directly or by swiping the card for a certain number of times/amount. It should be noted that the annual fee for supplementary cards of high-end credit cards such as Platinum Card is also relatively high, and the annual fee for supplementary cards of some card types can not be exempted. Please consult the issuing bank specifically when handling the card.
the above is the relevant knowledge of supplementary credit cards, and friends who are interested in handling supplementary credit cards may wish to refer to it.