Repayment of main card or supplementary card; There is no need to pay the bills separately. The main card and the auxiliary card of the credit card, the money spent, are all included in the main card account, and both the main card and the auxiliary card can be paid back when repaying.
All transaction funds of the secondary card and corresponding interest and expenses are credited to the account of the primary card, and the cardholder of the primary card bears all repayment responsibilities; The main cardholder and the supplementary cardholder with full capacity for civil conduct shall be jointly and severally liable for the debts owed to the bank, while the supplementary cardholder with limited capacity for civil conduct shall only be liable for the debts incurred by the supplementary card held by him.
The secondary card is relative to the primary card. Every cardholder who opens a master credit card can apply for a supplementary card for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct who are over 13 years of age (if the applicant for the supplementary card is under 18 years of age, he must obtain the consent of his legal representative).
Extended data:
Each credit card master card can apply for up to two supplementary cards (at the discretion of the bank), and the master card holder has the right to request cancellation of its supplementary cards. The credit limit of the secondary card shall be designated by the cardholder of the primary card independently, and shall not exceed the credit limit of the corresponding primary card; If the cardholder of the main card is not specified, the credit limit of the auxiliary card is the same as that of the main card.
All transaction funds, corresponding interest and expenses of the secondary card are included in the account of the primary card, and the cardholder of the primary card bears all repayment responsibilities. However, the primary cardholder and the secondary cardholder shall be jointly and severally liable for the debts owed.
References:
Baidu Encyclopedia _ Supplementary Card
Can the supplementary credit card repay the main card?
The main card and the auxiliary card of a credit card are two cards using the same account. No matter the secondary card of the main card, the repayment transaction points to the same credit account, so there is no substantive difference. The consumption of the secondary card can be repaid directly with the main card. The secondary card can repay the debt of its own card, but it cannot repay the debt of the primary card. The main card can also pay the arrears of the subsidiary cards.
The difference between credit card and debit card (savings card):
1. The cardholder's name pinyin and the validity period of the credit card are printed on the front of the credit card, but there is no cardholder's name pinyin on the front of the savings card, and most savings cards have no validity period on them;
2. Credit card numbers are embossed, while most savings cards are flat fonts;
3. Some dual-currency credit cards have the VISA or Master logo on the front, while savings cards don't;
4. Credit card signature columns are all 7 digits, but most savings cards don't;
5. There are laser anti-counterfeiting labels on the back of credit cards, but there are almost no savings cards;
6. Almost all credit cards have the words "cardholder's signature, which is invalid without signature" under the signature column, while all savings cards only have the words "cardholder's signature" on the right side of the signature column.
Can supplementary credit cards be repaid separately?
Can supplementary credit cards be repaid separately?
Credit card supplementary card can be repaid separately. In the standard of the issuing bank, after the supplementary card is repaid separately, its repayment amount will be included in the repayment amount of the main card. Cardholders should note that the secondary card will be included in the bill of the main card after it is issued, but the secondary card is allowed to pay off the debt of the secondary card separately. The supplementary card can be repaid separately, but after the credit card is issued, the main card will be repaid in a unified way, and the supplementary card does not need to be repaid separately.
Is there a separate limit for credit card supplementary cards?
There is no separate quota for the secondary card of a credit card, and part of the quota of the secondary card is shared with the main card. According to the regulations of the issuing bank, the supplementary card and the main card share a quota, and the quota of the supplementary card is designated by the cardholder of the main card. Although the secondary card has a quota, the quota will not be independent. As the supplementary card exists as the supplementary card of the main card, the credit limit of the supplementary card shall not be higher than that of the main card.
Does the supplementary credit card affect me?
The supplementary card of a credit card is a supplementary card bound to the main card. According to bank regulations, a credit card can be bound with multiple secondary cards, and the sharing limit of the primary card and the secondary card is set by the holder of the primary card and cannot be higher than that of the primary card. All expenses incurred by using the supplementary card will be deducted from the main card account. When using supplementary cards of credit cards, it should be noted that overdue supplementary cards will have an impact on the main cardholder himself. Since the cardholder of the primary card needs to bear all the debts of the secondary card, and the consumption amount of the secondary card has been included in the bill of the primary card, the cardholder of the primary card needs to repay on time.
What are the precautions for setting up automatic repayment for BOC credit card supplementary card?
Matters needing attention in automatic repayment setting of BOC credit card supplementary card:
1. Great Wall series credit cards: it is not supported to set the repayment method of the main and auxiliary cards separately, and the repayment method of the auxiliary card and the main card must be the same. Automatic repayment must be applied by the cardholder of the main card, and the supplementary card cannot apply for automatic repayment separately. Once the main card applies for automatic repayment, the repayment methods of the subsidiary cards under the name of the main card will change, including the deduction method and currency.
2. BOC series credit cards: different debit methods and currencies can be set for the primary and secondary cards. However, when the main card takes the initiative to repay, the auxiliary card cannot apply for automatic repayment.
Tips: the main cardholder can call the credit card customer service hotline 4006695566 for consultation. Have a good time with your card!
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
What is the repayment method of China Bank's credit card supplementary card?
If your supplementary card of China Bank Credit Card is in arrears, you can repay it in the following ways:
1. When you owe money, you can go directly to the counter of China Bank to purchase foreign exchange for repayment.
2. After paying off the RMB bill of the supplementary card and depositing more money, you can call the credit card customer service center of China Bank at 4006695566 to purchase foreign exchange.
3. You can also apply for automatic repayment of supplementary cards. However, the main card is active in repayment, and the auxiliary card cannot apply for automatic repayment.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.
The above contents are for your reference. Please refer to the actual business regulations.
How to repay the supplementary card of China Bank Credit Card? Whose credit is affected by overdue?
China Bank Credit Card also has supplementary cards. The main cardholder can apply for supplementary cards for eligible immediate family members, and they also need to repay after using the supplementary cards. It is necessary to know the repayment method of the supplementary card. If you don't repay in time, it may affect your credit. Let's have a look.
1. How to repay the supplementary card of China Bank Credit Card?
The supplementary card of China Bank Credit Card has two ways: active repayment and automatic repayment, as follows:
1. Voluntary repayment:
It means that the cardholder will return the money to the account corresponding to the supplementary card through China Bank Mobile Banking, China Bank Online Banking, Colorful Life APP and other channels before the final repayment date, but the repayment account varies according to the types of supplementary cards.
1) Supplementary card of BOC series credit cards: If there is debt, it needs to be repaid to the supplementary card instead of the main card. That is, the main card and the auxiliary card need to be repaid separately.
2) Sub-card of Great Wall series credit cards: In case of arrears, since the main card and the sub-card of Great Wall credit cards are the same account, the repayment of the sub-card can be made directly to the main card or to the sub-card.
2. Automatic repayment:
It means that both the secondary card and the main card have opened the automatic repayment service, and a savings card is bound as a debit card. When the secondary card is in arrears, it will be deducted from the repayment account bound to the savings card. The cardholder needs to ensure that the repayment account is sufficient and in normal condition on the repayment due date, otherwise the failure of deduction will affect the credit.
2. Whose credit is affected by the overdue credit card of China Bank?
1. Bank of China series main card and auxiliary card submit credit information respectively, that is, the overdue auxiliary card will not affect the main card.
2. Great Wall series main card and auxiliary card are reported to the main card for credit information, that is, the main card and auxiliary card have the same account and the same bill, and the auxiliary card will be credited to the main card after it is overdue.
So much for the introduction of how to repay the supplementary credit card.