The supplementary credit card is relative to the main card. The cardholders of the supplementary card can only be the parents, spouse, children, etc. of the main cardholder. Operations such as card opening and password setting of the secondary card are independent of the primary card, but can be handled by the primary card holder. The annual fee is generally half of the primary card. And the main card has all the transaction information of the secondary card.

The main card and the supplementary card use the same account, and all transaction details of the supplementary card are listed on the statement of the main card, making it easier for the main cardholder to understand the usage of the supplementary card. Transactions such as supplementary card consumption and cash withdrawals and corresponding handling fees are charged to the main card account.

Generally, the secondary card and the primary card enjoy the same credit limit. The primary cardholder can also set a credit limit for the secondary card that is lower than that of the primary card. If you want to increase the usage limit of the supplementary card, the cardholder can deposit a certain amount of funds in the main card in advance and then call the bank. At this time, the limit of the supplementary card is the original maximum limit plus the deposited funds.

Extended information:

The difference between the main credit card and the supplementary card

1. Different annual fees

The annual fee for the supplementary card is low For the main card, half of the annual fee of the main card will generally be charged.

2. 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 primary or secondary card is lost, it will not affect the consumption of the other card. 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.

3. 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.

4. Different repayments

The relationship between the main card and the supplementary card is that they use one bank account and enjoy the same consumption rights. Therefore, when repaying, you only need to All outstanding balances will be returned to this account.

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 return the amount owed by the primary card. Arrears. 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.

Baidu Encyclopedia-Credit Card