> For the complete documentation index, see [llms.txt](https://help.daak2.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.daak2.com/zh-cn/zi-chan/credit-and-subaccounts.md).

# 信用账户与父子账户

## 创建父子账户

父子账户适合一个金融账户下包含多个币种或子资金项的情况。

1. 在账户管理页先创建主账户。
2. 编辑主账户并添加子账户。
3. 为每个子账户选择自己的货币并填写余额。
4. 在资产页点击主账户，可展开或进入子账户。

主账户汇总会先把所有子账户换算成主账户货币；子账户页面仍显示自己的原币种余额。

## 使用信用账户

创建或编辑账户时选择信用账户类型，并设置额度、账单日和还款日等信息。

| 页面         | 显示内容            |
| ---------- | --------------- |
| **信用账户详情** | 当前欠款、信用额度和剩余额度  |
| **账单周期**   | 当前周期发生的消费、还款和调整 |
| **统计**     | 周期内金额和相关账单      |
| **多币种主账户** | 子账户先换算为主账户货币后汇总 |

使用 **信用卡还款**时选择还款账户和信用账户，避免用普通转账重复记录。

{% hint style="info" %}
主账户汇总、账单周期统计和剩余额度均使用主账户货币；不同币种不会直接相加。
{% endhint %}


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://help.daak2.com/zh-cn/zi-chan/credit-and-subaccounts.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.