Question 1: What is a bank's "virtual card"? The "virtual card" of a bank card is a virtual account based on the BIN codes of UnionPay, VISA and MasterCard on the bank card, which is mainly used for online cardless payment without a physical card. Like physical cards, virtual cards of bank cards are also divided into virtual credit cards and virtual debit cards. Let's take a look at virtual credit cards first.

1, fast application. Users can apply directly in the bank's online banking or directly call the customer service phone of the credit card, and will soon get a virtual card number, expiration date and security code, and then they can use it online.

2. Easy repayment. Most physical cards need to be repaid separately for each card, while virtual cards only need to be repaid by the main card, which is convenient for management.

3. Be able to participate in repayment activities. For example, Lacarra and PayPal will engage in repayment activities from time to time, but most physical cards limit the number of transactions per month. Virtual cards can increase the chances of activities.

4. Safe use. The validity period and limit can be set according to the use scope of the physical card, and the virtual card can be cancelled at any time without affecting the use of the physical card.

5. Be able to participate in various credit card activities. Because it is a real card BIN code, the virtual card can also participate in various consumer preferential activities organized by the card organization and the issuing bank. Some activities are not based on identity cards, but on cards.

Question 2: Which bank can open a virtual card instead of a physical card? Internet merchants, banks and domestic banks can all open virtual cards instead of physical cards.

Question 3: Which banks have virtual credit cards? Existing virtual cards include: CITIC Network Payment Card, CCB Longka E Payment Card, PUFA E-GO Card, BOC Virtual Credit Card, Guangfa Zhenqing Credit Card and so on.

Virtual credit card solves many problems that are difficult to be solved by physical credit card, and effectively guarantees the security of online transactions. You can apply according to your actual card holding situation.

Question 4: Which banks can open virtual cards? The "electronic smart card" account of China Merchants Bank refers to a smart card that has no entity certificate for the time being. In addition to credit card business (such as counter withdrawal business), other businesses handled by card numbers (such as logging in to mobile banking and public edition) are supported. ), its handling process and business regulations are basically the same as those of smart cards (except for special provisions).

Question 5: Which banks can open virtual cards? Residents in China who have reached the age of 18, have full capacity for civil conduct, have a good reputation, and have a legal and stable source of income, and foreigners who legally reside in China can apply to the issuing bank for a personal postal savings credit card with valid identity documents recognized by the public security department and other supporting documents or materials specified by the issuing bank. Personal card holders can apply for supplementary cards for designated persons who have reached the age of 16 when handling the main card.

Question 6: Apart from China Bank, do other banks have virtual cards to handle credit cards? China Construction Bank also has this kind of business. Call customer service of China Construction Bank to ask!

Question 7: Which banks' credit cards can be used as virtual cards? CCB has an electronic payment card, and has issued three kinds of cards: UnionPay single sign, VISA single sign and MasterCard sign, and each sign can apply for at most one card.

In terms of the use of this card, after obtaining the card information, the electronic payment card can be used for online transactions, while offline transactions need the help of other apps, such as Tongxin, Alipay and WeChat of CCB.

In other card rights and interests, online transaction switches and limits can be set, which is also safer; You can also set the transaction reminder message, whether to send it, whether to send it with a certain amount or with a pen;

Finally, there is no annual fee.

Question 8: What is the use of CCB's online banking virtual card? 1. Product name: Dragon Card Virtual Card.

Two. Product definition: Dragon Card Virtual Card is a debit card product that customers use the current account (except credit card, the same below) signed in our online banking as the card opening source account and open by transfer according to the requirements of online payment and payment business in real-name registration system. This product has no physical card, only account and no interest.

Third, product function.

The main functions of Dragon Card Virtual Card include online transaction functions such as card opening, payment, payment, inquiry, balance transfer and password modification, and transactions such as renewal, cash withdrawal, loss reporting and transfer to other people's accounts are not allowed.

Four. Duration: The duration of Longka Virtual Card varies from 3 to 12 months, and customers can choose it by themselves.

Verb (abbreviation of verb) card opening instructions

The account opening amount of Longka Virtual Card is RMB 300 yuan (inclusive) to RMB 2,000 (inclusive).

Card opening flow chart:

First, the card description

1. online payment of longka virtual card

When the payment transaction is made on the website, the transaction will be directly linked to the online banking login page of our bank. Customers can click "Virtual Card Payment" and enter the virtual card number, password, expiration date, CCV2 and verification code for confirmation, thus completing the payment processing.

2. Use the Dragon Card Virtual Card for payment.

After the customer logs into the CCB Virtual Card, he/she selects the relevant payment items and fills in the relevant information in the payment column to complete the payment operation. At present, only local payment items of virtual card issuing banks are supported.

2. Regulations or customer's guide: It shall be used in accordance with the relevant provisions of China Construction Bank Personal Customer Longka Virtual Card Service Agreement and China Construction Bank Longka Virtual Card Charter.

Third, the service price.

The charging standard of virtual card opening fee is: 5 yuan for each card, which is deducted from the card opening source account when opening the card.

The charging standard of expired account management fee for virtual card is: 3 yuan deducts expired account management fee every month.

Question 9: What bank can add virtual cards to online banking? The new card supports others to remit money to the virtual card. Last time I went to RT Mart to buy things, I said to pay by flash, and then I had to enter my password after paying. There are many people in the supermarket. If others see your mobile phone password and bank card password at the same time, how safe is it? Applepay is convenient but not supported by merchants, and such payment is not secure.