First, the main and secondary cards of the bank card
The main card and the auxiliary card of a bank card are both a kind of bank card, but the authority and usage limit of the auxiliary card are limited by the main card. Their differences are as follows:
1, card cancellation. The main cardholder has the right to request cancellation of his supplementary card; The holder of the secondary card cannot independently cancel or cancel the primary card.
2. Credit line. The credit limit of the main card is only subject to the requirements of the bank; The credit limit of the secondary card is specified by the cardholder of the primary card on the premise that it does not exceed the credit limit of the corresponding primary card. If the cardholder of the main card is not specified, the credit limit of the auxiliary card is the same as that of the main card.
3. In terms of expense reimbursement. All consumption expenses and interest generated by the master card shall be borne by the master card; All transaction funds and corresponding interest and expenses of the secondary card are included in the account of the primary card, and the cardholder of the primary card bears all repayment responsibilities.
Bank cards are mainly divided into credit cards and debit cards:
1, credit card:
Credit cards can be used as secondary cards. The supplementary card of credit card is also called "supplementary card". Basically, you can apply for a supplementary credit card when you are 0/6 years old last year.
Generally, you only need to provide the host's ID card and the applicant's ID card, and then fill out the credit card application form.
2. Debit card:
Whether a debit card can be used as an accessory card mainly depends on the regulations of the bank. Different banks and different types of cards have different regulations on whether debit cards can be used. Some can be used as supplementary cards, while others cannot. However, ordinary debit cards cannot handle sub-cards, except for some special types of cards.
If you want to apply for a debit card, you'd better consult the bank staff first.
Two. ICBC Deputy Card Handling
ICBC's savings card cannot be used as a supplementary card. You can only use credit cards for supplementary cards, but not savings cards.
If ICBC's debit card can handle supplementary cards in financial cards and credit cards, ordinary debit cards cannot handle supplementary cards.
Application conditions:
1) The applicant for the main card is a citizen of China who has reached the age of 18 and has full capacity for civil conduct.
2) Please provide copies of the following materials with the application form:
Copy of the ID card of the applicant for the main card and the auxiliary card;
My work certificate or income certificate (salary income certificate, personal income tax payment form, payroll passbook or statement).
3) Providing the following supporting materials will help the application to be processed as soon as possible.
My bank time deposit certificate, automobile driving license, property ownership certificate and other supporting materials;
Unpaid receipts directly related to public utilities or property management, such as fixed telephone charges, water charges, electricity charges and gas charges for the past three consecutive months.