The difference between the main card and the supplementary card is:

1. Annual fee: The annual fee of the main card is higher than that of the supplementary card. Usually the annual fee of the supplementary card is the same as that of the main card. half.

2. Repayment: There is no need to repay after the supplementary card is used for consumption. All overdraft payments of the supplementary card and the main card are repaid by the main cardholder.

3. The primary cardholder can apply for multiple secondary cards and change the name of the holder of the secondary card. For secondary cards, you cannot choose to change the holder of the primary card.

4. Limit: The limit of the main card is higher than the limit of the secondary card.

5. When using "Repayment Link" to repay, the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank transfers stipulated by the local People's Bank of China.

Extended information:

Credit card repayment methods:

1. Within the card issuing bank

This method includes: card issuing bank counter, ATM, Online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

2. Transfer/remittance repayment

It is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

3. Online repayment

The more common domestic online platforms include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

4. Over-the-counter repayment

Over-the-counter payment refers to the bank cards issued by various networked financial institutions, which can be paid through the counters of other bank outlets registered in the UnionPay Exchange Center host system. Conduct RMB current deposit and withdrawal transactions.

5. Other methods

In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.

Reference: Baidu Encyclopedia-Credit Card