The function of the credit card sub-card is overdraft consumption, cash withdrawal and transfer. As the credit card limit is set by the host, most of the time the sub-card is used for overdraft consumption. If the secondary card is used to transfer money or withdraw cash, the withdrawal amount is shared with the withdrawal amount of the main card. Relatively speaking, there are certain restrictions on the withdrawal of the secondary card. Therefore, the cardholder of the secondary card usually uses the secondary card for consumption, and the secondary card also supports offline and online credit card consumption.

does credit card installment affect credit reporting?

it doesn't affect. Credit card installment payment is a repayment method supported by banks, and users' normal use of credit card installment payment will not affect credit information. Although the loan and repayment records of most bank credit cards are displayed in the credit record, the normal credit card installment payment will not affect the user's credit information unless the user uses more credit cards and the installment payment amount is large. Then when users apply for other loans, lending institutions will see that the user's debt ratio is too high, and users may be refused loans.

Therefore, when users use credit cards in installments, as long as they ensure that they repay on time every month, it will not affect their credit information in general.