Although the secondary card received credit information at the meeting, it was not the credit information of the secondary card holder, but the credit information of the primary card holder at the meeting. The main reason is that the main card and the auxiliary card of the credit card belong to the same account and share the credit line. Moreover, in the relationship between the primary cardholder and the secondary cardholder, the primary cardholder is in a dominant position and the secondary cardholder is in a subordinate position.
Simply put, the credit card consumption of the supplementary card holder is credited to the account of the main card holder, and the main card holder needs to bear all the debts of the supplementary card.
Of course, the supplementary cardholder can also repay by himself, but if there is no repayment, it must be repaid by the main cardholder. If both of them fail to repay in time, it will lead to overdue. Because the secondary card is hung under the main card account, the overdue of the secondary card will lead to the overdue of the main card and affect the credit information of the main card holder.
The extended information assumes that Xiao Li has a main credit card, and he has a supplementary card for his son who is going to college. This card is hung under Xiao Li's account, and Xiao Li's son uses the supplementary card to spend, so the consumption of the supplementary card will be included in Xiao Li's credit card every month, and then the bill will be issued uniformly on the billing date of each month;
Then Xiao Li makes repayment, and Xiao Li's son can also make repayment directly in the attached card, but if neither of them makes repayment, Xiao Li's credit card will be overdue, resulting in a bad credit record.
Does CITIC Bank-CITIC Bank credit card supplementary card have a credit record?