【中文版】

信用卡附属卡是一种方便实用的工具，它允许持卡人将附属卡与主卡相关联，并为其指定额度、账单日期等。附属卡持卡人可以在额度范围内使用信用卡进行消费支付，但其消费记录将与主卡记录合并，并显示在主卡的账单上。

附属卡持卡人不是主卡的直接持卡人，而是与主卡持卡人相关联的附属用户。附属卡持卡人不能独立于主卡持卡人进行信用卡相关操作，如查询、挂失等。附属卡持卡人也不能独立于主卡持卡人承担还款责任。

附属卡持卡人的身份信息通常需要与主卡持卡人一致，以便于银行进行风险控制和管理。附属卡持卡人可以通过网上银行、手机银行等渠道查询和还款，但需要使用主卡持卡人的账户信息进行操作。

使用信用卡附属卡是一种方便的方式，可以方便地管理消费记录和还款。特别是对于那些需要为家庭成员或员工使用信用卡的人来说，附属卡可以更好地控制消费和还款责任。

【英文版】

A credit card supplementary card is a convenient tool that allows cardholders to associate supplementary cards with the primary card, and set their credit limits, billing dates, etc. Supplementary cardholders can use the credit card for consumption payment within the credit limit, but their consumption records will be merged with the primary card's records and displayed on the primary card's bill.

The supplementary cardholder is not the direct holder of the primary card, but an associated supplementary user with the primary cardholder. The supplementary cardholder cannot perform credit card related operations independently from the primary cardholder, such as inquiry, loss reporting, etc. The supplementary cardholder cannot also bear the responsibility for repayment independently from the primary cardholder.

The personal information of the supplementary cardholder usually needs to be consistent with the primary cardholder's information in order to facilitate bank risk control and management. Supplementary cardholders can inquire and repay through online banking, mobile banking and other channels, but need to use the primary cardholder's account information for operation.

Using a credit card supplementary card is a convenient way to manage consumption records and repayments. Especially for those who need to use credit cards for family members or employees, supplementary cards can better control consumption and repayment responsibilities.