What does the secondary card of credit card mean?

The primary card is a credit card that I applied for, and the secondary card is a credit card that hangs under the primary card. The applicant of the secondary card must have lineal relatives with the primary card holder, such as parents, spouses and children, and must also meet the requirements of a natural person with full civil capacity or a natural person over 13 years old with limited civil capacity.

The main card and the auxiliary card have the following differences

The annual fee is different: the annual fee of the auxiliary card is lower than that of the main card, and generally it will charge half of the annual fee of the main card.

different status: the main card belongs to the account holder, so it must have the right to decide the change and cancellation of the account, and it also has the absolute management right to the auxiliary card. The main cardholder of a credit card can apply to the bank for multiple supplementary cards, or change the cardholder of the supplementary card, but the cardholder of the supplementary card cannot apply for the supplementary card of the main card or change the cardholder information.

the cardholder of the primary card can set the limit of the secondary card. When the cardholder cancels the account of the primary card, the secondary card will not be used. When the primary cardholder cancels the secondary card, the secondary card will not be able to continue to be used. If there are still outstanding debts in the secondary card, it will be fully repaid by the primary cardholder.

if the loss of the primary card or the secondary card will not affect the consumption and use of the other card. In addition, some banks have restrictions on the online banking function of the secondary card, and the holders of the secondary card can make online payments, but they can't log in to online banking, view personal consumption records and other related information.

different line: both the main card and the auxiliary card have consumption function, and the overdraft line of the auxiliary card is lower than that of the main card. The credit limits of the main card and the auxiliary card are the same. When the overdraft limit of the main card has reached the upper limit, the auxiliary card can't continue spending, and the accumulated overdraft limit of the main card and the auxiliary card can't exceed the maximum overdraft limit of the main card, so the auxiliary card can't spend, and the accumulated credit card limits of the two cards can't exceed the maximum limit of the card.

repayment is different: the relationship between the primary card and the secondary card is * * * using a bank account and enjoying the same consumption rights. Therefore, when repaying, it is only necessary to return all the arrears to the account.

at the time of repayment, the cardholder of the primary card can pay off all the debts, and the cardholder of the secondary card can also voluntarily return the amount owed by the secondary card, but the secondary card cannot return the debts owed by the primary card. When the secondary card has an overdue record, it will be recorded in the account information of the primary cardholder. Most banks will print the bills of the primary card and the secondary card of the credit card and send them to the primary cardholder.

What is the meaning of the main and secondary credit cards?

The applicant of the secondary credit card must have lineal relatives with the main cardholder, such as parents, spouses 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 secondary card is a minor (under the age of 18), the consent of the legal representative must be obtained when applying for a secondary credit card in the bank.

credit card products

according to different card issuers, they can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

according to different payment methods, credit cards can be divided into credit cards and quasi-credit cards

credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.

quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.

according to the different circulation scope of credit cards, they can be divided into international cards and regional cards

international cards. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.

area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.

what is the relationship between the primary card and the secondary card of the credit card?

1. The main card and the secondary card of a credit card are subordinate. The secondary card is based on the name of the main card and has the same function, so it uses an account.

2. The secondary card of a credit card is an accessory card. The main card and the secondary card of a credit card can enjoy the credit limit of the main card, and the consumption records are uniformly included in the bill of the main card, and the cardholder of the main card pays the arrears. For example, the credit limit of the main credit card is 2, yuan, and the secondary credit card is 5, yuan, so the available credit limit of the main credit card and the secondary credit card in the current month is 15, yuan.

3. Since the main card and the sub-card of the credit card enjoy the same credit limit, the cardholders of the two credit cards may not know how much the other party has spent during use, so they should communicate frequently to avoid exceeding the credit limit.

4. The cardholder's reasonable use of the credit card supplementary card can not only bring convenience to himself, but also save a lot of transfer fees. Cardholders can use the secondary card to spend money in different places without handling fees. For example, parents can use the main card of their own credit card and let their children who go to school in different places use the secondary card of the credit card, so as to avoid the handling fee to be paid for remittance in different places and keep abreast of their children's consumption.