Credit card holders can apply for supplementary cards for their immediate family members (parents, spouses or children). Domestic applicants must be 14 years old, and overseas applicants must be 18 years old. You can hold your own primary card and someone else's secondary card at the same time. The secondary card must be the same type as the main card and share the credit line with the main card. Without an independent account, you can't log in to online banking alone, and the repayment is included in the main card account.
The rights and obligations of the supplementary card are basically the same as those of the main card, and the supplementary card can enjoy the same preferential policy of annual fee as the main card. For example, if the main card is swiped six times, the annual fee of the main card can be reduced. Loss reporting is not affected. If the main card is lost and you apply for loss reporting, the use of the secondary card will not be affected.
The credit limit is different. Although the secondary card and the main card share a quota, the quota of the secondary card cannot exceed that of the main card. Different status. The main cardholder is in a dominant position, and the supplementary cardholder is in a subordinate position. After the supplementary card is issued, it will be sent according to the address of the main cardholder. Please ensure that the address of the main cardholder is valid before issuing the card.
The secondary card is relative to the primary card. When opening a credit card, each principal cardholder 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 over 13 years old (if the applicant for the supplementary card is under 18 years old, he must obtain the consent of his legal representative).
rule
Each credit card master card can apply for up to two supplementary cards, 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 each other's debts.
superiority
Supplementary cards can bring a lot of convenience to daily card swiping applications. When opening the main card, you need to open the secondary card at the same time, which not only facilitates the users of the secondary card to use the card, but also allows the main card to control the amount. It is a good choice for family financial products.