1. The supplementary card is the so-called "additional card". The supplementary card refers to the credit card that the main credit card applicant applies for for his immediate family members when applying for a credit card. This is the supplementary card. The supplementary card and the main card are for different holders respectively.
2. Function
The supplementary card has a credit limit, but the source of its limit is the main card. For example, the credit limit of the main card is 10,000 yuan, and the limit set by the supplementary card is 5,000. If the supplementary card spends 5,000 yuan, then the supplementary card will have no limit at this time, and the main card's limit will only be 5,000. It can be said that the supplementary card and the main card use the same limit, and the limit setting of the supplementary card must be smaller than that of the main card.
Extended information:
Regulations
Each main credit card can apply for up to two supplementary cards (the bank can stipulate it independently). The main cardholder has The right to request cancellation of its supplementary card. The credit limit of the supplementary card is designated by the principal cardholder on the premise that it does not exceed the credit limit of the corresponding principal card; if the principal cardholder does not specify it, the credit limit of the supplementary card is the same as that of the principal card.
All transaction amounts and corresponding interest and fees of the supplementary card will be charged to the main card account, and the main cardholder shall bear all repayment responsibilities. However, the principal cardholder and the supplementary cardholder are jointly and severally liable to each other for repaying the amounts owed.
Advantages
Supplementary cards can bring a lot of convenience to daily card swiping applications. Applying for a supplementary card at the same time as the main card makes it easier for supplementary card users to use the card, and the limit can also be controlled independently by the main card. It is a good choice for home financial products.
Baidu Encyclopedia--Credit Card
Baidu Encyclopedia--Supplementary Card