what is supplementary credit card

A supplementary credit card is an additional credit card tied to the account of an existing user, also known as an authorized user credit card. It is a secondary card issued under a persons credit card account and is typically given to the primary cardholders immediate family members, such as their children, spouses, siblings, or parents. Supplementary cards bear the secondary cardholders name and come with their own credit card numbers, expiration dates, and CVV numbers. However, as supplementary cards are secondary cards, their balances, credit limits, and billing statements are still treated as part of the principal cardholders account. The credit line of a supplementary card is an extension of the primary cards, meaning that if a principal cardholder has several supplementary cards under their account, all of them will share the primary cards credit limit. Supplementary cards can be useful for someone who does not meet the credit card requirements to qualify for a credit card on their own, and they can help the authorized user build or establish credit. Supplementary cards also have the same benefits as the principal credit card, such as earning reward points and accessing exclusive offers.