Are the annual fees for supplementary credit cards separate from those for the main card?

The annual fee for the supplementary credit card is separate from that of the main card. The annual fee for the main card is generally 100 yuan, and that for the supplementary card is 50 yuan. The annual fee is waived for swiping the main card 6 times, and the annual fee is waived for swiping the supplementary card 3 times. fee.

The difference between the main card and the supplementary card:

1. The main credit card holder can be an immediate relative (parents, spouse or children) to apply for an supplementary card. Domestic applicants must be at least 10 years old. 14 years old. Overseas applicants must be 18 years old or above. You can hold your own primary card and someone else’s supplementary card at the same time.

2. The type of supplementary card must be the same as that of the main card, and it must share the credit limit with the main card. It does not have an independent account, cannot log in to online banking alone, does not issue separate bills, and repayments are included in the main card. Card account;

3. The rights and obligations of the supplementary card and the main card are basically the same. The supplementary card can enjoy the same preferential annual fee policy as the main card. For example: the main card can be exempted from the main card for the following year by swiping the card 6 times. Annual fee, then if the supplementary card is swiped 6 times, the annual fee of the supplementary card for the next year will be reduced. From this point of view, once you hold a primary and secondary credit card, you must first ensure that the primary card consumption meets the annual fee-free conditions, otherwise the gain will outweigh the loss.

4. After the supplementary card is issued, it will be sent to the address of the primary cardholder. Please ensure that the address of the primary cardholder is valid before the card is issued.

What are the differences between the principal card and the supplementary card of ICBC credit card

1. The annual fees are different

The supplementary card also has an annual fee, which is generally the annual fee of the principal card About half. The annual fees of most supplementary cards can also be reduced by swiping the card a certain number of times or amount.

2. The limits are different

The supplementary card and the main card have different limits. The limit of the supplementary card cannot exceed the limit of the main card. For example, if the credit limit of the primary credit card is 10,000 yuan, and the credit limit of the secondary card is 1,000 yuan, then the available credit limit of the primary and secondary credit cards for the month will be 9,000 yuan. In addition to limit usage, the main card and the secondary card can basically be regarded as two independent cards. After the main card is reported lost, it will not affect the use of the secondary card, and vice versa.

3. The handling fees for consumption are different

Cardholders who use the supplementary card to make purchases in other places can be exempted from handling fees. For example, parents can use the primary credit card themselves and let their children who go to school in another place use the secondary credit card. This way, they can avoid the handling fees for remittances to other places and can keep track of their children's consumption status at any time.

Extended information:

Annual fee policy: ICBC’s annual fee charging standard is to charge after use, that is, the annual fee will not be charged until one year after the account has been opened. During this year , as long as you make 5 transactions or 5,000 yuan (3 transactions or 3,000 for the student card, 160,000 points for the annual fee or 200,000 for the platinum card), the annual fee for the current year will be waived. At the same time, there is no annual fee for ICBC credit cards if you do not open the card.

You can apply for installment payment when your RMB consumption reaches 600 yuan. The handling fee is 1.65% for the 3rd period, 3.6% for the 6th period, 5.4% for the 9th period, 7.2% for the 12th period, 11.7% for the 18th period, and 15.6% for the 24th period. %.

At the same time, installment payment handling fees are collected in one lump sum according to different standards when handling business. The characteristic is that the fewer installments, the lower the cost. At the same time, please note that there is no minimum repayment for a cash advance, it must be repaid in full, and of course, you cannot apply for installment payment.

Baidu Encyclopedia-ICBC Credit Card

Which ICBC credit card is the main card and which is the negative card

You should have a set of credit cards. All are main cards. One is a UnionPay credit card and the other is a foreign currency credit card.

In fact, you can call customer service and ask if you are unsure.

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If the supplemental card applicant is not eligible for a supplemental card, the default is only available for major credit cards. But this kind of credit card is a series of cards, one of which is a UnionPay credit card and the other is a foreign currency credit card. Foreign currency cards are overseas card swipe transactions, and there are no card swipe transaction processing fees and foreign currency exchange rates.

More and more people are using credit cards now. ICBC's credit card is a state-owned bank with the largest number of credit card users in China. Many people wonder why there are two industrial and commercial credit cards? ICBC has many types of credit cards. Customers can choose the appropriate type of credit card based on their actual situation. However, if they want to apply for an ICBC credit card, they need to be a person with full abilities and have a very stable job and income where they live.

In this way, they can apply for a credit card at any ICBC business outlet. ICBC processes two credit cards, called set cards. One is the primary card and the other is the secondary card. The two credit cards can be used independently, but they share the same credit card amount.

The difference between the main card and the slave card:

1. The sub-card also has an annual fee: Like the main card, the sub-card also has an annual fee, which is usually about Half of the main cards. Like the primary card, the annual fee for most daughter cards can be reduced by swiping the card a certain amount or amounts.

2. Shared quota between the secondary card and the primary card: The secondary card should share the quota with the primary card, and the secondary card's quota must not exceed the original card.

3. Reporting a lost Mastercard will not affect the use of supplementary cards: In addition to sharing quotas, the primary card and the supplementary card can basically be regarded as two independent cards. After reporting the loss of the primary card, it will not affect the use of the secondary card and vice versa.

For industrial and commercial credit cards, if two cards are issued, it means there is a child and parent card business. One is the primary card and the other is the secondary card. They belong to a unified account and are registered in the name of the same person. They can swipe the card separately to make purchases, but the secondary card does not have any permissions other than spending deposits. The main card is different. The daughter card is connected to the main card. The main card has the right to know the consumption details of the sub-card. At the same time, the main card can also set consumption limits for the sub-card. Once the master card sets a consumption limit for a daughter card, the daughter card cannot exceed its consumption. The most important thing is that the main card can turn off the secondary card at any time. As long as the card fails in the bank counter, the ID card and the main card can handle the business of closing the secondary card. After closing the supplementary card business, you can use the supplementary card at any time.

Why does a credit card have a primary card and a secondary card? Is it okay to use a commonly used secondary card?

Yes.

The supplementary card must be the same as the main card, and it must share the credit limit with the main card. It does not have an independent account, cannot log in to online banking alone, does not issue bills independently, and repayments are included in the main card account, so It is possible.

The primary cardholder is in a dominant position and has the right to decide to add or cancel secondary cards. If the primary card is cancelled, the secondary card should be returned to the card issuer. When the primary cardholder requests to stop using the secondary card midway, the secondary card should also be returned to the card issuer. Unsettled debts will still be borne by the primary cardholder.

This is the end of the introduction about the main credit card and the main and supplementary credit card limit. I wonder if you found the information you need?