In the relationship between primary and secondary cardholders, the primary cardholder is in a dominant position and has the right to decide to add or cancel secondary cardholders, while the secondary cardholder is in a subordinate position. If the primary card is cancelled, the secondary card should be returned to the card issuer voluntarily. When the cardholder of the primary card requests to stop using the secondary card, he should also return the secondary card to the card issuer, and the outstanding debt will still be borne by the cardholder of the primary card.
If the primary cardholder needs to cancel the secondary card midway, he has the right to recover the credit card from the secondary cardholder and return it to the card issuer. If the secondary card cannot be recovered, he can submit a written application to the card issuer to cancel the secondary card. However, before returning the secondary card or submitting the application, the creditor-debtor relationship arising from the use of the credit card by the secondary card holder will still be borne by the primary card holder, and the card issuer will not accept the economic disputes arising from the use of the credit card by the primary and secondary card holders.