legal analysis: necessary. The principal cardholder (principal cardholder) brings his/her credit card, the original valid identity certificate and the original valid identity certificate of the secondary cardholder to the counter of China Everbright Bank to fill in the application form for the secondary cardholder, and the bank will confirm it by signing in person, recording the telephone or other ways recognized by the principal cardholder (principal cardholder) and the bank.

Legal basis: Law of the People's Republic of China on Commercial Banks

Article 8 Commercial banks shall abide by the relevant provisions of laws and administrative regulations when conducting business, and shall not harm the interests of the state or the public.

article 9 commercial banks shall abide by the principle of fair competition and shall not engage in unfair competition.

article 59 a commercial bank shall, in accordance with relevant regulations, formulate its own business rules and establish and improve its own risk management and internal control systems.