An additional credit card, also known as a sub or supplementary card, is a secondary card that the primary cardholder applies for for their relatives and friends (e.g., spouse, children, parents, etc.) to share the credit limit with the principal card. The use of supplementary cards makes it easier to spend between family members or close associates, and the primary cardholder has control over the overall spending. This article will professionally explain the process of applying for an additional credit card and explain it with examples.
Check if your principal card supports additional cards.
Determine which additional card you need to apply for and find out their credit history (which may be required in some cases).
Call your bank's customer service** or visit a bank branch for additional card application details.
Learn about the annual fee, quota allocation, spending notification and other policies for supplementary cards.
Proof of identity of the principal cardholder (e.g. ID card, passport, etc.).
Primary card (for easy confirmation).
Proof of identity for supplementary card applicants (may be required by some banks).
Completed supplementary card application form.
Submit the prepared materials to the bank, and you can choose to apply online or offline at a bank branch.
After confirming that the application information is correct, wait for the bank's review.
The bank reviews the application information, which is usually a quick process.
After the review is approved, the bank will create and issue an additional card.
Some banks may require the primary cardholder to collect or activate the supplementary card in person.
The principal cardholder is required to explain the credit limit and precautions to the supplementary cardholder.
The principal cardholder can check the spending status of the supplementary card at any time through the services provided by the bank.
The primary cardholder is responsible for paying all debts incurred by the Supplementary Card on time.
Taking a bank's credit card as an example, let's take a look at a specific process:
Confirm eligibility: Mr. Zhang holds a credit card from the bank, and the credit card supports supplementary cards.
Contact the bank: Mr. Zhang called the bank's customer service** and learned about the annual fee policy of the supplementary card, the quota sharing method and other information.
Prepare the materialsMr. Zhang prepared a copy of his ID card, credit card and wife's ID card, and filled out the supplementary card application form.
Submit an application: Mr. Zhang went to the nearest bank branch and submitted the application materials. After checking the information, the staff told Mr. Zhang to wait for the audit result.
Review & IssuanceAfter a day of waiting, Mr. Zhang received a notification from the bank that the supplementary card application had been approved. He chose to pick up his supplementary card at a bank branch and completed the activation on the spot.
Use & Management: Mr. Zhang handed over the supplementary card to his wife and informed her of the credit limit and precautions for use. After that, Mr. Zhang can check the consumption records of the supplementary card at any time through mobile banking to ensure that the consumption is safe and controllable.
Through the above examples, we can see that the process of applying for a credit card supplementary card is relatively simple and fast. In practice, it is recommended to apply and operate according to the policy of the issuing bank of the credit card you hold.