Supplementary Credit Card

What is a supplementary card (credit card)?

Not everyone is opportune in a family, to be financially independent. And the people who are financial independent and have a credit card can also apply for a supplementary credit card for their family member. [ supplementary(secondary) Card]

So, what is a secondary Card?

Stated, a secondary Card is sub-section of a leading credit card. Now what happens here is that in cases like this, the person with the secondary card could choose to spend whatever amount he/she deems fit, and the original cardholder will be the one to bear the consequences of those financial activities. In other words, the lender of the secondary card to his family member is the one who is going to incur all the financial risk brought in as a result of the affiliated secondary card.

To wrap it up, secondary cards are helpful especially when giving it to a dear friend, family member or partner, an extra card that can be used to assist you in earning points as a result. And it could be more critical, if the person in question is probably finding it hard to obtain their Credit Card, perhaps due to no credit or salary.

Is it a Good Idea?

Well, personally I feel if it’s from a parental point of view, it’s a good idea. Still, whoever you give the secondary card to, be sure that the person is either no careless on spending or delusional because, whatever they do with that card will undoubtedly contribute to your credit history, and I need not remind you of the importance of having a good credit history right?  So, make sure your secondary card is entrusted in good hands, and that you monitor every spending made in that card, as the primary cardholder. Now let’s lot at the pros and cons of giving a secondary Card to a family member, perhaps son or daughter.


  • Getting to have two streams of rewards
  • The ability to use apps and services which need
  • Helps you monitor your kids’ spending.
  • Helps your child learn about credit card’s early.


  • Having to pay additional fees
  • Creating a dependable mentality in your kids.

In summary, a secondary card works best when you’d love to help your family, financially, like in giving your kids the chance to play with money!

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