The number used to apply for a credit card does not necessarily belong to a virtual operator, because both physical operators and virtual operators can provide mobile phone number services. However, some banks will require you to provide a mobile phone number with real-name authentication before you can apply for a credit card. In this case, you must use a physical operator number or a virtual operator number that has undergone real-name authentication. Therefore, when choosing a mobile phone number, it is recommended to choose a trusted entity or virtual operator and ensure that the number has completed real-name authentication.