2. Annual fee-free policy: within 30 days after the card is issued, the annual fee for the first year is exempted for one swipe and the annual fee for the next year is exempted for five swipes;

3. The secondary card of a credit card is relative to the primary card. Every cardholder who opens a master credit card 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 who are over 13 years of age (if the applicant for the supplementary card is under 18 years of age, he must obtain the consent of his legal representative).

About supplementary cards:

1. Each credit card master card can apply for at most 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.

2. All transaction funds and corresponding interest and expenses of the secondary card are included in the account of the primary card, and the cardholder of the primary card shall bear all repayment responsibilities. However, the primary cardholder and the secondary cardholder shall be jointly and severally liable for each other's debts.