First of all, the consumption and repayment behavior of the deputy cardholder is the responsibility of the main cardholder. The bill of the secondary card is the same as that of the main card, and the main card will be included in the bill according to the consumption record of the secondary card and be responsible for repayment. Therefore, the main card needs to supervise the consumption behavior of the vice card holders to avoid unnecessary consumption.
Secondly, there may be differences in the amount and income of the secondary card. Many times, the main card will have a higher credit limit and richer rights and interests, while the credit limit and rights and interests of the auxiliary card may be limited to some extent. In addition, some credit cards also need to pay the annual fee of the secondary card, and the main card holder needs to decide whether to bear this part of the fee.
Finally, supplementary cards can provide certain convenience and protection for family members or relatives and friends. For some elderly people or teenagers, supplementary cards can facilitate their daily consumption, and can also limit their consumption quota to avoid unnecessary consumption. In addition, if the main cardholder loses his card or has other problems, the secondary card can also provide him with some backup support.
To sum up, although there are some similarities in the use of rights and interests between the credit card daughter card and the main card, there are still some differences in management and use. Therefore, when applying for a credit card sub-card, the main cardholder needs to consider the consumption record and credit status of the sub-card holder, and at the same time carefully understand the amount and rights of the sub-card, so as to give full play to the advantages of the credit card sub-card.