It depends on whether you need it, but the limit of the supplementary card is shared with the main card. If you don’t need it, don’t open the card, because the supplementary card also charges an annual fee.

The relationship between the main card and the supplementary card of China Merchants Bank Credit Card:

All debts incurred by the holder of the supplementary card when using the credit card shall be borne by the holder of the main card. Fulfill debts directly to the card issuer or special unit. The main card and the additional card belong to the same account, and the credit limit is guaranteed. The primary cardholder and the secondary cardholder mostly have a property relationship, or they know and trust each other, and there are agreements such as gifts, entrustments, and paid commitments between them.

In the relationship between primary and additional cardholders, the primary cardholder is in a dominant position. The primary cardholder has the right to decide to add or cancel secondary cards, while the secondary cardholder is in a subordinate position. . If the primary card is cancelled, the secondary card should be voluntarily returned to the card issuer. When the primary cardholder requests to stop using the additional card midway, the additional card should also be returned to the card issuer. If there is an unsettled debt, the debt will still be borne by the primary cardholder.

In short, the primary cardholder has the right to supervise, use or deactivate all the items enjoyed by the secondary cardholder. The primary card and the secondary card are closely related, and he is responsible for the consequences of the secondary card. Therefore, there is a risk liability for non-payment.