What is the use of a secondary bank credit card?

The relationship between a secondary card and a primary card is like a bank card and a passbook. Generally speaking, the primary card is used by the credit card owner himself. Immediate family members apply for supplementary cards. The two cards can be used at the same time. The credit limit and repayment method vary according to bank regulations or customer needs. So what is the use of a supplementary bank credit card?

1. You can know your children’s consumption situation in time. For example, for supplementary card consumption SMS notification reminders, banks can provide three reminder methods: only reminding cardholders of the main card, reminding only cardholders of supplementary cards, and reminding cardholders of both main and supplementary cards at the same time. Our suggestion is that parents can choose the third method, which not only ensures the safety of supplementary card holders, but also facilitates timely understanding of their children's consumption status.

2. Parents can restrict their children’s consumption by setting additional card limits and fund usage flow limits. For the limit of the supplementary card, which is subordinate to the total limit of the main card, the bank's initial setting is that the two limits are the same, and the limit is always used. However, it is best for parents to reset the limit of the supplementary card according to their family situation to avoid excessive consumption of the supplementary card. The concepts of usage flow and limit are different, which refers to the total amount generated by the use of funds in the credit card account.

3. In addition, parents can also learn about the usage of supplementary cards through online banking and credit card statements. The repayment of the supplementary card can also be made by the parent holding the main card. This method saves the cost of transferring funds to other places.

Applying a supplementary credit card can effectively manage family finances. The main cardholder can grasp the consumption information of the supplementary cardholder in a timely manner. The repayment of the supplementary card can also be made by the principal cardholder. This method also saves money. The additional costs incurred by the conversion of household funds.

What is the use of the supplementary credit card?

“The function of the supplementary credit card is to overdraft consumption, cash withdrawals, and transfers. Since the limit of the supplementary card is set by the main cardholder, it is generally Sometimes the secondary card is used for overdraft consumption. If the secondary card is used for transfers or cash withdrawals, the cash withdrawal limit is the same as that of the main card, and the secondary card withdrawal is not as convenient as the main card withdrawal. Relatively speaking, the secondary card withdrawal is not as convenient as the main card withdrawal. There are certain restrictions. ”

The relationship between the secondary card and the primary card is like a bank card and a passbook. Generally speaking, the primary card is used by the credit card owner himself. You can apply for two secondary cards for immediate family members. The cards can be used at the same time, and the credit limit and repayment method vary according to bank regulations or customer needs.

1. You can know your children’s consumption situation in time. For example, for supplementary card consumption SMS notification reminders, banks can provide three reminder methods: only reminding cardholders of the main card, reminding only cardholders of supplementary cards, and reminding cardholders of both main and supplementary cards at the same time. Our suggestion is that parents can choose the third method, which not only ensures the safety of supplementary card holders, but also facilitates timely understanding of their children's consumption status.

2. Parents can restrict their children’s consumption by setting additional card limits and fund usage flow limits. For the limit of the supplementary card, which is subordinate to the total limit of the main card, the bank's initial setting is that the two limits are the same, and the limit is always used. However, it is best for parents to reset the limit of the supplementary card according to their family situation to avoid excessive consumption of the supplementary card. The concepts of usage flow and limit are different, which refers to the total amount generated by the use of funds in the credit card account.

3. In addition, parents can also learn about the usage of supplementary cards through online banking and credit card statements. The repayment of the supplementary card can also be made by the parent holding the main card. This method saves the cost of transferring funds to other places.

Applying a supplementary credit card can effectively manage family finances. The main cardholder can grasp the consumption information of the supplementary cardholder in a timely manner. The repayment of the supplementary card can also be made by the principal cardholder. This method also saves money. The additional costs incurred by the conversion of household funds.

The relationship between the supplementary card and the main 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, and shall be borne directly by the holder of the main card. To perform debts to the card issuer or special unit, therefore, the main cardholder and the supplementary cardholder mostly have a property relationship, or they know and trust each other, and there are gifts, entrustments, and paid commitments between them. As agreed upon, it was also determined that the main card and the additional card belong to the same account and have the same credit limit.

In the relationship between the main and additional cardholders, the main cardholder is in a dominant position and has the right to decide to add or cancel additional cards, while the additional cardholder is in a subordinate position.

If the primary card is cancelled, the secondary card should be returned to the card issuer on its own initiative. When the primary cardholder requests to stop using the additional card midway, the additional card should also be returned to the card issuer, and the unsettled debt will still be borne by the primary cardholder.

The main card and the additional card*** share the same limit. If the limit is 5,000 yuan, the total amount swiped by the main card and the additional card must not exceed 5,000 yuan.

How to use the primary credit card and the secondary card?

The applicant for the secondary card must have a direct family relationship with the primary cardholder, such as parents, spouse, and children, and must also meet the requirements of A natural person with full capacity for civil conduct or a natural person over 13 years old with limited capacity for civil conduct. When the applicant for the supplementary card is a minor (under 18 years old), he must obtain the consent of his legal representative when applying for a supplementary credit card at the bank.

The main card and the supplementary card have the following differences:

Different annual fees: The annual fee of the supplementary card is lower than that of the main card, and half of the annual fee of the main card is generally charged.

Different statuses: The main card belongs to the account holder and must have the right to decide on changes and cancellations of the account. It also has absolute management rights over the secondary card. The primary cardholder of a credit card can apply for multiple secondary cards from the bank, or change the cardholder of the secondary card, but the cardholder of the secondary card cannot apply for a secondary card of the primary card or change the cardholder information. The primary cardholder can set the limit of the secondary card. When the cardholder cancels the primary card, the secondary card will not be able to be used. When the primary cardholder cancels the secondary card, the secondary card will no longer be able to be used. If there is any outstanding debt on the secondary card, it will be fully repaid by the primary cardholder. If the main card or secondary card is lost, the consumption of the other card will not be affected. In addition, some banks have restrictions on supplementary cards in online banking functions. Holders of supplementary cards can make online payments, but cannot log in to online banking, view personal consumption records and other related information.

Different credit limits: Both the primary card and the secondary card have consumption functions, and the overdraft limit of the secondary card is lower than that of the primary card. The limits of the main card and the supplementary card are the same. When the overdraft limit of the main card has reached the upper limit, the supplementary card cannot continue to consume. The cumulative overdraft limit of the main card and the supplementary card cannot exceed the maximum overdraft limit of the main card, and the supplementary card cannot After consumption, the cumulative credit limit of the two credit cards shall not exceed the maximum limit of the card.

Different repayments: The relationship between the primary card and the secondary card is that they use one bank account and enjoy the same consumption rights. Therefore, when repaying, you only need to return all the arrears to the account. That’s it. During repayment, the primary cardholder can pay off all the debt, and the secondary cardholder can also take the initiative to return the amount owed by the secondary card, but the secondary card cannot repay the amount owed by the primary card. When the supplementary card has an overdue record, it will be recorded in the account information of the main cardholder. Most banks will combine the main card and supplementary card statements of the credit card and send them to the main cardholder.

How to use a credit card, how to use the main card and the supplementary card of the credit card

How to use the credit card, how to use the main card and the supplementary card of the credit card

There are many ways to apply for a credit card now. You can go to the bank counter and ask the lobby manager to apply for a credit card for you; call the bank’s credit card customer service number, and a staff member will come to apply for it; you can also log in to the bank’s credit card official website and fill in the application information. Application; there are also some formal third-party credit card application channels.

How do we use the credit card after we get it? How to use the main card and secondary card?

After getting the credit card, the first thing to do is to activate the credit card. You can call the customer service number to activate, go directly to the bank counter to activate, etc. After activation, you can use it.

Credit cards have primary cards and secondary cards. Each credit card can apply for two secondary cards. The consumption limit is exclusive. After the secondary card is used, the primary cardholder must repay it.

How to use credit card 1:

Offline consumption

That is, consumption in stores, eating in restaurants, buying clothes, etc., if the merchant supports credit card collection, Then you can use the primary or secondary credit card to pay, hand the credit card directly to the staff, and use the password or no password after swiping the card to complete the payment.

Nowadays, many credit cards can waive the annual fee for the second year if you make 6 purchases a year.

Credit card usage method two:

Online consumption

That is, online consumption. Now many third-party payment platforms can bind credit cards, such as Alipay, After binding WeChat, Union Quick Pass, etc., you can choose a payment method when shopping online, and then use the platform bound to the credit card to pay.

Online purchases are counted as credit card purchases, but generally no credit card points will be accumulated.

You also need to pay attention to the following points after using a credit card:

1. Repay on time

The credit card will set a repayment date, which is the deadline for credit card repayment. date, the cardholder must repay all consumption limits before the repayment date, and cannot exceed the due date.

2. Installment repayment

When the amount of consumption is large and your repayment ability is insufficient, you can apply for a credit card installment plan, which can reduce the pressure of repayment.

3. Cashing out is not allowed

The so-called cashing out means converting the credit card limit into cash. This is an act prohibited by the bank and is also illegal. You must not cash out.

That’s it for the introduction of how to use the supplementary credit card.