What does the secondary card mean?

The secondary card of a credit card is relative to the main card, and the cardholders of the secondary card can only be parents, spouses, children, etc. The owner's. The card opening and password setting of the secondary card are independent of the main card, but can be handled by the cardholder of the main card, and its annual fee is generally half of that of the main card. The main card has all the transaction information of the secondary card.

The main card and the auxiliary card share an account, and the transaction details of the auxiliary card are listed on the statement of the main card, which is convenient for the cardholder of the main card to master the usage of the auxiliary card. The consumption, cash withdrawal and other transactions of the secondary card and the corresponding handling fees are all collected in the main card account.

Under normal circumstances, the secondary card enjoys the same credit limit as the primary card, and the cardholder of the primary card can also set a credit limit lower than that of the primary card for the secondary card. If you want to increase the usage quota of the secondary card, the cardholder can deposit a certain amount in the main card in advance and then call the bank. At this point, the limit of the secondary card is the original maximum limit plus the deposited funds.

Extended data:

The difference between the main card and the secondary card of a credit card.

1, the annual fee is different.

The annual fee of the supplementary card is lower than that of the main card, and generally it will charge half of the annual fee of the main card.

2. Different status

The main card belongs to the account holder, so it must have the decision right to change and cancel the account, and also have absolute management right to the auxiliary card. The cardholder of the main credit card can apply for multiple supplementary cards from the bank or change the cardholder of the supplementary card, but the cardholder of the supplementary card cannot apply for the supplementary card of the main card or change the cardholder information.

The cardholder of the primary card can set the limit of the secondary card. When the cardholder cancels the account of the primary card, the secondary card will not be used. When the primary cardholder cancels the secondary card, the secondary card cannot be used any more. If there is still outstanding debt in the secondary card, it will be fully repaid by the cardholder of the primary card.

The loss of the main card or the auxiliary card does not affect the consumption and use of the other card. In addition, some banks have restrictions on the online banking function of the secondary card, and the holders of the secondary card can make online payments, but they can't log in to online banking, view personal consumption records and other related information.

3. Different quotas

Both the primary card and the secondary card have consumption function, and the overdraft limit of the secondary card is lower than that of the primary card. The credit limit of the main card and the auxiliary card is the same. When the overdraft limit of the main card has reached the upper limit, the secondary card cannot continue to consume, and the cumulative overdraft limit of the main card and the secondary card cannot exceed the maximum overdraft limit of the main card, so the secondary card cannot consume, and the cumulative credit card limit of the two cards cannot exceed the maximum limit of the card.

4. Different repayment

The relationship between the primary card and the secondary card is that they share a bank account and enjoy the same consumption rights, so they only need to return all the debts to the account when repaying.

At the time of repayment, the cardholder of the main card can pay off all debts, and the cardholder of the auxiliary card can also voluntarily return the amount owed by the auxiliary card, but the auxiliary card cannot return the amount owed by the main card. When the secondary card has an overdue record, it will be recorded in the account information of the main card holder. Most banks will print out the bills of the main card and the auxiliary card of the credit card and send them to the main card holder.

Baidu encyclopedia-credit card