At the same time, apply for an additional card for a friend, is there any risk to my funds?

Of course, the supplementary card consumes the money of the main card.

If it is a China Merchants Bank credit card, you cannot apply for an additional card for a friend. The primary cardholder of a credit card can apply for an additional card for their immediate family member. The supplementary card can only be applied by the spouse, children and parents of the principal cardholder, and the domestic applicant must be at least 14 years old, and the overseas applicant must be at least 18 years old.

Supplementary cards share the credit limit of the principal card, and their accounts are consolidated into the principal card account and are not billed separately. The bonus points are accumulated in the name of the principal cardholder, and the repayment of the supplementary card will be credited to the principal card account.

Credit card processing needs to meet conditions: in most cases, citizens with full civil capacity (citizens over the age of 18 in Chinese mainland) and a certain direct economic ** can apply for a credit card from the card issuer; To apply for a credit card, you must have a regular occupation and a stable income**, and provide a guarantee to the bank. The forms of guarantee include individual guarantee, unit guarantee and individual fund guarantee.

Presumably everyone knows that credit cards can only be used by cardholders, but in life there are still many people who will lend their credit cards to others for overdraft, if the other party helps to repay the arrears, it is fine, but if others do not repay, then it is easy to have disputes, so credit cards lent to others overdraft, so who should bear the legal responsibility?

According to the regulations of the International Credit Card Association and the People's Bank of China, the credit card and its billing account can only be used by the cardholder approved by the card issuer and cannot be rented or lent to others. If you lend a credit card to another person, you are guilty of obstructing the management of your credit card. It can be seen that the credit card can only be used by the cardholder himself and cannot be lent to others.

Regarding the act of lending a credit card to others, it is generally a violation of the rules on the use of credit cards, and if you lend your credit card to a third party for use, then any responsibility caused will be borne by the cardholder personally, and the bank will not bear any responsibility, so generally do not lend your credit card to others.

Once you take the initiative to provide the credit card to others for use, then the arrears caused by the malicious overdraft of others need to be repaid by the cardholder himself, and during the period of lending the credit card to others, if the credit card is lost, now stolen and other losses, then it is impossible to enjoy the bank's lost card protection and other services.

If the credit card is overdue, then the cardholder needs to bear the consequences of the overdue, usually the following adverse consequences will be caused by the credit card overdue

1. Overdue fees. After the credit card is overdue, the bank will charge the bank card holder an overdue fee, and the longer the overdue time, the more overdue interest will be generated;

2. Bad credit. The credit card overdue record will be uploaded to the central bank's credit system, and if the personal credit is bad, then the credit business will be affected in the later stage.

3. Sued by the bank. According to the relevant laws and regulations, if the overdue amount of the credit card reaches 50,000 yuan, then it may be suspected of malicious overdraft, and once the court determines that the cardholder's malicious overdraft is true, then the overdue user may bear legal responsibility.

In general, the handling of credit cards is based on the credit of the person who handles it before it will be approved, so the credit card cannot be transferred to others at will, and if the credit card is lent to others for use, then the other party will use the credit card to carry out illegal acts will also affect the actual card owner.

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.

Both parties are responsible, even legally responsible, and in any case, avoid lending credit cards to others. If you have a family member or friend who needs to use a credit card, it is better to apply for an additional card for them instead of taking the huge risk of lending the credit card. Supplementary cards can bring a lot of convenience to daily card swiping, and can also be controlled by the primary cardholder.

On the one hand, from a legal point of view, although all transactions and corresponding interest and fees of the supplementary cardholder are credited to the principal card account and are usually repaid by the principal cardholder, the principal cardholder and the supplementary cardholder are jointly and severally liable for the amount owed. In other words, the principal and supplementary cardholders are jointly liable to settle the debt, while the borrower is not responsible for the relevant liability at all.

On the other hand, the principal cardholder can receive additional card transaction notifications, grasp the usage status of the supplementary card, and at the same time, the principal cardholder can also set the limit of the supplementary card according to the actual situation. In this way, the primary cardholder has overall control and real-time visibility into the overdraft status of the supplementary card. In contrast, the borrower is always likely to become a "loose horse" and is not bound by any norms or laws.

If he owes money to the bank, the bank will naturally ask you to pay it back. If you have violated the rules on the use of the national identity card, you will naturally be responsible for the problem, which of course will affect your credit history. Which of your agreements has no legal meaning for the bank.

Of course, you may be able to sue your friend in court according to the agreement between the two of you. But this has nothing to do with the bank anymore.

It has legal effect between you, but it has no legal effect externally, and you bear civil liability, which will affect your credit, of course, if it is a criminal offense, it will be borne by yourself.

The agreement between you is not against the bank. If you can't pay it back in the future, the bank will let you pay it back. It's better not to do that

1. The agreement is valid, and you can rest assured of this.

2. But this is your internal agreement, and it cannot be used against outsiders. Use your identity information to apply for a credit card, and if something like a debt does happen, the bank will definitely only sue you. Because you are the other party of the credit card contract.

If this happens, you can only claim against your friend in accordance with the agreement between you and your friend after the insurance bank pays the bank.

3. Therefore, for the sake of safety, it is recommended that you withdraw your credit card.

It's useless, the bank only recognizes you.

If you plan to apply for a CMB credit card, you can try to apply online at the counter first, and if the audit department cannot confirm the relationship, it is not excluded that you will be asked to provide proof of relationship.

When applying, simply fill in the credit card application form, which includes the name of the principal cardholder, date of birth, ID number and information of your supplementary card applicant, and attach a copy of the identity certificate of the supplementary card applicant, and provide it to us.

Some cards can be logged in to the credit card**, select "Credit Card Application", then select the type of card you need, apply for an additional card, please fill in the information of the main cardholder; Pocket Life can apply for some supplementary cards of cards, card * finance - card manager - swipe left - apply for supplementary cards.

The supplementary card of China Merchants Bank Credit Card is a card that the principal card handles for immediate family members (parents, spouses or children), and the limit is shared with the principal card.

Credit cards can definitely be done, the most important thing to apply for an additional card is to see if the main card holder agrees As long as you agree, the bank will definitely be OK, because if the supplementary card owes money is repaid by the main card - of course, this is from the bank's point of view, if you privately let your girlfriend repay your own, the supplementary card can also save money to repay, but you can't withdraw cash

Trust me, I used to be a credit card center

The main card and the supplementary card of the credit card are a shared limit, if you feel that your girlfriend is honest and trustworthy, of course, you can use the supplementary card, but because the cardholder is you, if he does not repay, it is you who will repay.

Do you mean credit cards?

Credit cards can be used as supplementary cards, and anyone can do so. As long as you bring your ID card to the bank to apply for an additional card.

Additional cardholders will need a copy of their ID and a signature. Just prepare in advance and take it to the counter together.

In the case of supplementary cards, the quota is shared. That is, let's say your quota is 50,000. Then you and your girlfriend can use the 50,000 together. Instead of both cards being 50 thousand.

Additional cards are treated the same as the original card.

To put it bluntly, it is to split a card into two. The quota remains the same. But even if two people are separated, they can be used.

According to the regulations, it can only be given to immediate family members.

There is no need to provide other documents, just your girlfriend's ID card. It's okay to write your wife when you fill it out. Tick yourself married.

The supplementary card is for family and friends, and their name is displayed on the card, and the card with their name belongs to the main card no matter how many cards there are. They can also use the main card, why does it have to be a supplementary card, theoretically the credit card cannot be used by others, even if it is a parent or spouse. There must be a signature when making credit card purchases, and it doesn't matter if you have a password or not.

You can apply for an additional card for your immediate family members, including spouse, parents, and children.

The benefits of applying for a credit card supplementary card from Bank of Communications are as follows:

First, you can learn about your children's consumption in a timely manner. For example, the Bank can provide three types of reminders: only to the principal cardholder, only to the supplementary cardholder, and to both the principal cardholder and the supplementary cardholder. Our suggestion is that parents can choose the third method, which not only ensures the safety of the supplementary cardholder, but also makes it easy to know the status of their children's spending in a timely manner.

Second, parents can restrict their children's spending through the limit of supplementary cards and the setting of restrictions on the use of funds. For the limit of the supplementary card, the total limit is subordinate to the principal card, and the initial setting of the bank is that the limit of the two is the same, and the limit is shared. However, it is advisable for parents to reset the limit of the supplementary card according to the family situation to avoid excessive consumption of the supplementary card.

The concepts of usage flow and limit are different and refer to the total amount of funds used in a credit card account.

Thirdly, through online banking and credit card bills, parents can also learn about the usage of supplementary cards. The repayment of the supplementary card can also be made by the parent who holds the principal card, which saves the cost of transferring funds from another place.

Fourth, for children studying abroad, there are also certain advantages to using supplementary cards. Now that the network of UnionPay cards has been relatively perfect, parents can use credit cards to purchase foreign exchange and repay foreign exchange for overseas students who spend in the local area, especially if the RMB continues to maintain an appreciation trend, it can also help parents reduce the cost of purchasing foreign exchange.

The supplementary card frankly says that there is no need to handle it, you know what he means from a literal understanding, and the supplementary card seems to be unable to repay the money, and the main card has to be returned, usually the parents handle it for their children, but do you think about whether the child needs to swipe the card to consume at this stage? Of course, if it is for a wife, husband or boyfriend and girlfriend, you can still consider it, but I personally feel that the applicability is not very strong, so it is recommended that you do not need to handle it. If you swipe the card frequently, the system will automatically raise the limit once every six months, and the increased amount depends on your consumption record.

Yes, it doesn't matter if you have a supplementary card or not.

The supplementary card is also the supplementary card, and the money that can be used in these comfortable cards depends on the overdraft limit in your main card, how much you can overdraft in the main card, and how much you can overdraft in the supplementary card.

There is really no benefit, and it is generally for parents to get one for their children.

Of course not, the type of supplementary card must be the same as the main card. If you want to apply for a Dragon Card Football World Cup credit card, you must also apply for a supplementary card for your family.

If you want to apply for other CCB cards, you can apply for them, because as long as they are different cards, you can apply for them. However, the credit limit is shared.

Most credit cards have a principal card and an additional card, both of which share a funding account, but they need to be claimed separately. At the same time, the principal card and supplementary card are relatively independent, and different transaction passwords can be set.

The supplementary card can be said to be a derivative of the principal card, which uses the funds and credit limit of the principal card, and the amount of overdrawn consumption is ultimately returned by the principal card applicant, so the person who uses the supplementary card does not need to prove financial ability. If your spouse or immediate family member does not meet the requirements for a credit card or is under the age to apply for a primary card, but needs a credit card, you can apply for an additional card on top of your primary card.

The premise of the existence of the supplementary card is the existence of the principal card, and the consumption repayment and credit history of the supplementary card are recorded in the head of the principal card holder. Therefore, the principal cardholder should pay attention to the need to give the card to a trusted person, preferably a spouse or immediate family member, after applying for an additional card.

In addition, since the principal card and the supplementary card are the same credit limit, the two people may not know how much money each other has spent during the use process, and once the consumption limit exceeds the credit limit, the merchant will also ask the card issuing bank to temporarily over-authorize, which will bring inconvenience to consumption.

Therefore, users of the principal and supplementary cards should communicate frequently to avoid over-limiting. In terms of points, the consumption points of the supplementary card are ultimately accumulated on the consumption points of the main card.

There is no difference between the supplementary card and the principal card, the annual fee is generally half of the main card, and the bank's preferential activities and card value-added services can also be enjoyed. Some banks' Platinum Card supplementary cards may not be able to enjoy the value-added services of individual items independently. For example, the supplementary card of China CITIC Bank does not enjoy the service of 4 times the birthday points.

The limit of the supplementary card is limited by the principal cardholder, which can be 100% shared with the principal card limit or a certain percentage of the principal card limit. The points are generally combined into the main card for use, but the points of the ICBC supplementary card can be used independently.