What does a credit card supplementary card mean?

Compared with the main card, a credit card supplementary card can only be applied for after you have the main card. Usually, a main card can be bound with multiple supplementary cards. The credit limit of the supplementary card can be set by the main cardholder, but it will not exceed the credit limit of the main card. However, the bills generated during the use of the supplementary card will be credited to the main card account.

it is worth noting that the points generated by the consumption of supplementary cards of credit cards will be recorded in the name of the main card, but the application for supplementary cards must be approved by the main card holder. When you apply for a credit card, you must return it on time, and there can be no overdue situation, because there will be penalty interest after the overdue.

If the credit card cannot be returned on time after use, you can use installment repayment or minimum repayment amount, which can reduce the monthly repayment amount and avoid overdue. However, it is necessary to meet the minimum consumption limit of the bank when handling installment repayment, and it can be returned in advance after installment.

in order to avoid the situation that the credit card cannot be returned on time after use, you must measure your repayment ability when using it and know what kind of income you use to return; In fact, a month's consumption limit should not exceed 5% of the monthly income, so that it can be guaranteed to be returned on time and will not be overdue.

credit card? What does the supplementary card mean?

The supplementary card is relative to the main credit card. All the transaction money, corresponding interest and expenses of the supplementary card are included in the main card account, and the cardholder of the main card bears all the repayment responsibilities. However, the cardholder of the main card and the cardholder of the supplementary card shall be jointly and severally liable for the debts owed.

first, the supplementary card is relative to the main card. Each cardholder who opens the main credit card may 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). Parents, brothers and sisters, spouses or children who want to apply for supplementary credit cards of various banks need to have the main credit card of the bank, and the applicant needs to be over 16 years old. In addition, you need to provide a copy of your valid ID card to the bank.

second, what is the credit limit of the supplementary card

The credit limit of the supplementary card depends on the credit limit of the main card. Simply put, it means that the credit limit of the main card and the supplementary card can be enjoyed. First, suppose that the credit limit of your CMB credit card is 2, yuan. Without any restrictions, the supplementary cards of this main card will enjoy the consumption of this 2, yuan. However, there is a right in this, that is, the main cardholder has the right to limit the available quota of the supplementary card to prevent the supplementary card holder from abusing the quota, which will make repayment difficult or even overdue. Therefore, in fact, the amount of supplementary cards in the real sense depends on the authority given to you by the host card < P > Third, because a main card can handle multiple supplementary cards, in order to rationally allocate the credit line and ensure the rationality of consumption behavior, I would like to remind the main card holder that it is best to limit the amount of supplementary cards. Supplementary card application channels: The main card and supplementary card can be applied simultaneously. Just check the supplementary card column directly when applying. If the main card has been issued, the main cardholder shall apply to the bank for an auxiliary card: the main cardholder of the credit card downloads the application form through the issuing bank official website or goes to the outlet to fill in the fields of the main card and the auxiliary card, and the main cardholder and the auxiliary cardholder shall sign the signature fields of the main card and the auxiliary card respectively. Attach a copy of the ID card of the supplementary cardholder, and then submit the application form and related materials to the issuing bank outlet.

What is a credit card?

First of all, the credit card is the main card, and the auxiliary card is an auxiliary card established on the main card. The auxiliary card of the credit card is referred to as the auxiliary card for short, which has a subordinate relationship with the main card of the credit card, and the main card and the auxiliary card belong to the same account, and enjoy the credit line. All debts incurred by the cardholder of the auxiliary card when using the credit card are borne by the main card holder, and the cardholder of the main card repays the card to the issuing bank. Definition of supplementary card: supplementary card is relative to the main card. Each cardholder who opens a credit card can apply for 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 old (if the applicant for supplementary card is under 18 years old, he must obtain the consent of his legal representative).

For more information about what a credit card is, go to: See more

What is a credit card supplementary card of Bank of China

A supplementary card is a sub-card that is handled by the cardholder of our main card for his family and hung under the main card, and the supplementary card * * * enjoys the limit of the main card.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.

what are the main and supplementary cards of a credit card?

the master card is the card that the account holder of the credit card applies for, that is, he uses his own card.

supplementary cards are applied by the principal cardholder for their relatives, such as parents and children. The bills they use are paid by the principal cardholder and can be seen by the consuming principal cardholder. When applying, you need to provide the identity certificate of the applicant for the supplementary card. If the applicant does not have an ID card, you can use the household registration book when handling the supplementary card. The main card and the supplementary card belong to the credit card category in the bank card.

at the same time, the subsidiary card must be the same as the main card, and enjoy the credit line with the main card. There is no independent account, so it is impossible to log in to online banking alone, and the repayment is included in the main card account.

Extended information:

Supplementary credit card is relatively easy to apply for, mainly because the supplementary card is a sub-card hung under the main card, and the supplementary card * * * enjoys the limit of the main card, and the bank does not make too many requirements on the qualification and repayment ability of the supplementary card holder.

each credit card master card can apply for at most two supplementary cards (which can be stipulated by the bank at its own discretion), and the master card holder has the right to request cancellation of its supplementary cards. The credit limit of the supplementary card shall be designated by the cardholder of the main card independently without exceeding the credit limit of the corresponding main card; If the cardholder of the main card does not specify it, the credit limit of the supplementary card is the same as that of the main card.

all transaction funds of the supplementary card, corresponding interest and expenses are included in the account of the main card, and the cardholder of the main card bears all repayment responsibilities. However, the cardholder of the main card and the cardholder of the supplementary card shall be jointly and severally liable for each other's debts.

supplementary cards can bring many conveniences to daily card swiping applications. When you open the main card, you need to open a supplementary card at the same time, which not only makes it convenient for users of supplementary cards to use the card, but also allows the amount to be controlled by the main card. It is a good choice for family financial products.

Baidu Encyclopedia _ Supplementary Card

Let's stop here for the introduction of supplementary credit cards.