A supplementary card is a convenient way to share your credit facility without the need for a separate principal card and statement. However, a supplementary credit card works exactly like a principal card when it comes to financial transactions, which means that it can potentially be misused really easily. Here are some ways to keep yourself safe from some nasty surprises in your credit card statement!

Agree on Its Purpose

It’s no legal contract, but you can certainly try your hand at a moral “contract” – in other words, an agreement – on what the supplementary card is to be used for. This is useful if you’re planning to have the supplementary card to be used for limited purposes only, and if you trust the person you’re giving it to. For example, the credit card can only be used for groceries, or only for petrol.

Set a Low Credit Limit

If you suspect that the potential supplementary credit card holder may over-spend, you may take pre-emptive strike by setting a low credit limit for that supplementary card. Like a credit limit on your own principal card, you won’t be able to use more than the credit limit allocated within any billing cycle. This will save you from large bombs in your credit card statement – and teach the supplementary card holder a sweet lesson when their card cannot be accepted due to exceeding their credit limit!

Register for E-Banking

Another way to prevent heart attacks in your billing cycle is to register for an online banking account and frequently check your transaction statements. It won’t prevent accidental purchases or large transactions (unless you’ve pre-set a low credit limit), but at least it will let you know it’s happening ahead of your monthly statement. You’ll have some time to prepare before the bomb drops at the end of your billing cycle. E-banking also gives you access to various banking facilities pretty much 24/7, so why not register for one for free?

Sign Up for Transaction Alerts

Do you want to be in the know all the time? E-banking will allow you to track the activities on your credit card accounts, but that’s a reactive and not proactive move. You can take it one step further and set up card protection alerts so that you’ll receive an SMS or email whenever a transaction is occurring through a supplementary credit card. Best of all, it’s free!

Teach First

When it comes to credit card knowledge, ignorance is not bliss! Some things in life are better learned first-hand through hard knocks, but if you prefer to not take the risk financially, you can always teach and guide the supplementary card holder on the best and safest credit card practices so that they can avoid making mistakes.


With power comes great responsibility, and this responsibility is still yours even if it’s an “underling” supplementary credit card! Hopefully, you’ll be better protected from supplementary credit card slip-ups now.

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