If you want to check whether a credit card is a principal card or an additional card, you can log in to the card-issuing bank's online banking to check. Online banking will usually indicate whether the card is a principal card or an additional card.

Whether the card is the main card or the supplementary card can be distinguished during normal use. For example, the consumption transactions of the supplementary card are generally included in the main card bill, so the main card holder can repay it, while the supplementary card holder does not need to pay it back, but the consumption transactions of the main card cannot be repaid by the supplementary card holder. Come back.

Also, if you apply at the bank on your own initiative, it is usually the main card. And if your family members help you apply, it will probably be a supplementary card. And the limit of the supplementary card can be set by the main cardholder; after the supplementary card is consumed, the bank will usually send a text message notification to the main cardholder; the annual fee of the supplementary card is often half of the annual fee of the main card about.

The application conditions for an additional card are also simpler than those for the main card. If you need to use a credit card, but you do not currently meet the conditions for applying for a main credit card, then as long as your immediate family members have applied for a main credit card, You can apply for a supplementary card under the name of the relative’s main card.