> 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-tw/zi-chan/credit-and-subaccounts.md).

# 信用帳戶與父子帳戶

## 建立父子帳戶

父子帳戶適合一個金融帳戶下包含多個幣別或子資金項目的情況。

1. 在帳戶管理頁先建立主帳戶。
2. 編輯主帳戶並新增子帳戶。
3. 為每個子帳戶選擇自己的幣別並填寫餘額。
4. 在資產頁點一下主帳戶，可展開或進入子帳戶。

主帳戶彙總會先將所有子帳戶換算成主帳戶幣別；子帳戶頁面仍顯示自己的原幣別餘額。

## 使用信用帳戶

建立或編輯帳戶時選擇信用帳戶類型，並設定額度、帳單日和還款日等資訊。

| 頁面           | 顯示內容            |
| ------------ | --------------- |
| **信用帳戶詳細資料** | 目前欠款、信用額度和剩餘額度  |
| **帳單週期**     | 目前週期發生的消費、還款和調整 |
| **統計**       | 週期內金額和相關帳單      |
| **多幣別主帳戶**   | 子帳戶先換算為主帳戶幣別後彙總 |

使用 **信用卡還款**時，請選擇還款帳戶和信用帳戶，避免使用一般轉帳重複記錄。

{% hint style="info" %}
主帳戶彙總、帳單週期統計和剩餘額度均使用主帳戶幣別；不同幣別不會直接相加。
{% endhint %}


---

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