How to distinguish the primary card and secondary card of a credit card (credit card)?

The method of distinguishing the main card and the supplementary card of a credit card (credit card) is as follows: judge by the limit, the main card has a high limit, the supplementary card has a low limit; judge by the annual fee, the supplementary card's annual fee The fee is only half of that of the main card. Judging by the management rights, the main card has higher rights. The main card can cancel the secondary card and take back the credit limit of the secondary card. Judging by the application conditions, you must have the primary card before you can apply for the secondary card.

Therefore, users can choose the above methods to distinguish the main card and the secondary card of a credit card (credit card), but the two cards are actually independent of each other in terms of usage rights.

What is the difference between the main credit card and the supplementary card of Bank of China Credit Card?

The difference between the main card and the supplementary card of Bank of China credit card:

The main card is a credit card applied for yourself using your own ID. The supplementary card is a credit card applied for by the main card for parents, spouse or children, and enjoys the same credit limit as the main card.

The above content is for your reference, please refer to actual business regulations.

What does the main credit card and the supplementary card mean?

The main card is the credit card I applied for, and the supplementary card is the credit card linked under the main card. The applicant for the supplementary card must be the same as the main card. Cardholders must have direct relatives, such as parents, spouses, and children, and must also be natural persons with full capacity for civil conduct or natural persons over 13 years old with limited capacity for civil conduct.

The main card and the supplementary card have the following differences

The annual fees are different: the annual fee of the supplementary card is lower than that of the main card, and generally half of the annual fee of the main card is charged.

Different statuses: The main card belongs to the account holder and must have the right to decide on changes and cancellations of the account. It also has absolute management rights over the secondary card. The primary cardholder of a credit card can apply for multiple secondary cards from the bank, or change the cardholder of the secondary card, but the cardholder of the secondary card cannot apply for a secondary card of the primary card or change the cardholder information.

The primary cardholder can set the limit of the secondary card. When the cardholder cancels the primary card, the secondary card will not be able to be used. When the primary cardholder cancels the secondary card, the secondary card will no longer be able to be used. If there is any outstanding debt on the secondary card, it will be fully repaid by the primary cardholder.

If the primary or secondary card is lost, it will not affect the consumption of the other card. In addition, some banks have restrictions on supplementary cards in online banking functions. Holders of supplementary cards can make online payments, but cannot log in to online banking, view personal consumption records and other related information.

Different credit limits: Both the primary card and the secondary card have consumption functions, and the overdraft limit of the secondary card is lower than that of the primary card. The limits of the main card and the supplementary card are the same. When the overdraft limit of the main card has reached the upper limit, the supplementary card cannot continue to consume. The cumulative overdraft limit of the main card and the supplementary card cannot exceed the maximum overdraft limit of the main card, and the supplementary card cannot After consumption, the cumulative credit limit of the two credit cards shall not exceed the maximum limit of the card.

Different repayments: The relationship between the primary card and the secondary card is that they use one bank account and enjoy the same consumption rights. Therefore, when repaying, you only need to return all the arrears to the account. That’s it.

During repayment, the primary cardholder can pay off all the debt, and the secondary cardholder can also take the initiative to return the amount owed by the secondary card, but the secondary card cannot return the amount owed by the primary card. Arrears. When the supplementary card has an overdue record, it will be recorded in the account information of the main cardholder. Most banks will combine the main card and supplementary card statements of the credit card and send them to the main cardholder.

What is the difference between the primary credit card and the secondary card?

The primary credit card and the secondary card are subordinate. The secondary card is under the name of the primary card and has the same function.*** Use account.

A credit card supplementary card is an supplementary card. The main credit card and the supplementary card can enjoy the credit limit of the main card. The consumption records are included in the main card bill, and the main cardholder pays the outstanding balance. . For example, if the credit limit of the primary credit card is 20,000 yuan, and the credit limit of the secondary card is 5,000 yuan, then the available credit limit of the primary and secondary credit cards for the month will be 15,000 yuan.

Since the primary and secondary credit cards enjoy the same credit limit, the cardholders of the two credit cards may not know how much the other has spent during use, so they should communicate frequently to avoid exceeding the credit limit.

In addition to bringing convenience to themselves, cardholders can also save a lot of transfer fees by using the supplementary credit card rationally. Cardholders who use the supplementary card to make purchases in other places can be exempted from handling fees.

For example, parents can use the primary credit card themselves and let their children who go to school in another place use the secondary credit card. This way, they can avoid the handling fees for remittances to other places and can keep track of their children's consumption status at any time.

How much do you know about the difference between the main credit card and the supplementary card?

When applying for a credit card, you can apply for the main card and the supplementary card. Generally, the supplementary card is used by your family members. , so what is the difference between the primary credit card and the secondary credit card? Have you paid attention to it in daily life? Below I will give you a detailed introduction so that you can understand the primary and secondary cards of the credit card.

When the supplementary credit card is used, all consumption will be counted into the main card. When repaying the credit card balance, you only need to return it according to the bill of the main card. Moreover, the points generated by the supplementary card will also be counted into the main card, so when using the supplementary card, you will only be responsible for consumption, regardless of repayment.

The annual fee for a supplementary credit card is generally half that of the main card, but it is best to consult your bank for the specific annual fee amount. However, the annual fee of most credit cards can be reduced or reduced by the number of card swipes. Different banks require different times of reduction. It should be noted that high-end credit cards will not reduce the annual fee.

In normal times, the primary cardholder can manage the secondary card, such as setting the consumption limit of the secondary card, and canceling the secondary card. At the same time, the supplementary cardholder cannot inquire about the credit limit and transaction details of the primary card. It should be noted that the credit limit of the supplementary card is the same as that of the main card unless the main cardholder specifies it.

When applying for a credit card supplementary card, only the principal cardholder applies for it. Usually parents apply for a supplementary card for their children or the elderly at home. For example, college students cannot apply for a credit card. They can apply for a supplementary card with their parents and have the same priority. The ability to repay after consumption.

The use of the primary and secondary cards of a credit card can basically be regarded as two independent cards. For example, if the primary card is reported as lost, it will generally not affect the use of the secondary card; similarly, if the secondary card is reported as lost, it will not affect the use of the secondary card. Use of the main card.

Users must repay on time when using credit cards and avoid overdue repayment. Generally, penalty interest will be incurred after overdue repayment. The longer the time, the more penalty interest will be generated. Moreover, the bank will upload it to the credit reporting center after it is overdue. If personal credit becomes bad, it will affect the processing of various loans.

What is the meaning of credit card primary and secondary cards?

Everyone knows that credit cards are divided into primary cards and secondary cards. When users apply for a credit card, in order to facilitate the use of their family members, they can apply to the bank at the same time. To apply for an supplementary card, supplementary credit cards can usually only be owned by immediate family members of the main card user. Generally, the cardholder of the supplementary card needs to be the parent, spouse or child of the main card user before they can apply. Many people are curious, since they are both credit cards, why are they divided into primary and secondary cards? Is there any difference between a credit card having a primary card and a secondary card?

Credit cards have primary and secondary cards with the following main differences:

1. The annual fees are different. The annual fee of the supplementary card is usually half of the annual fee of the main card. For example, if the annual fee of the main card is 100 yuan/year, then the annual fee of the supplementary card is 50 yuan/year. Usually the supplementary card can also enjoy the annual fee-free policy. The annual fee reduction method for the card is basically the same as that for the main credit card. You can enjoy the annual fee exemption by swiping the card a specified number of times or amount;

2. The limits are different. Both the main credit card and the supplementary card have consumption functions, but the limit of the supplementary card is lower than that of the main card. The sum of the consumption limit of the supplementary card and the main card cannot exceed the maximum credit limit.

3. Different powers. The primary credit card holder is the account holder and has absolute management rights over the secondary card. The primary card user can set the limit of the secondary card, change the information of the secondary card holder, and cancel the secondary card at any time. If the primary card user cancels the secondary card and there is an unpaid balance in the secondary card account, the primary card user will need to make repayment. If the primary card user cancels the account, the secondary card will no longer be able to be used.

4. Repayments are different. The main credit card and the supplementary card use the same bank account. The supplementary card and the main card can make repayments separately after consumption, or the main cardholder can pay off all the debts of the main card and the supplementary card, but the supplementary card When the card has not been repaid, the primary card user needs to repay it, because if the secondary card has an overdue record, it will be recorded in the account information of the primary cardholder.

Supplementary card application conditions:

1. The applicant must be the parent, spouse or child of the main cardholder who has a direct family relationship;

< p>2. The applicant needs to be over 13 years old and have full capacity for civil conduct. If the applicant is over 13 years old but under 18 years old and is a minor applicant, then when applying for a supplementary credit card Legal guardian consent is required.

This is the end of the introduction about the difference between the primary credit card and the secondary card and whether the secondary card is a credit card. Did you find the information you need?