Alipay virtual credit card is a "credit payment" product launched by Alibaba. Using this service, Alipay will grant credit based on user transaction data information, and its credit limit can be used to achieve prepayment on shopping websites such as Taobao. , in other words, Alipay virtual credit card is equivalent to the overdraft credit card launched by major banks. Let’s take a look at the specific application methods for Alipay virtual credit card.

1. The application operation for Alipay virtual credit card is implemented through the mobile payment wallet. Therefore, you first need to install the Alipay wallet on your mobile phone. You can directly obtain the "Alipay Wallet" APK program from Baidu and then install it on your phone.

2. Run the Alipay APK program and use your mobile phone number to log in.

3. In the "Alipay Wallet" interface, click the "+More Public Services" item.

4. Then add the "CITIC Bank" official account, apply online and review in real time through the official account. After approval, you will have a virtual Alipay credit card.

Credit limit regulations for "Alipay Credit Card":

Every Alipay user can apply for a CITIC credit card in the Alipay wallet. If this limit is approved, the minimum limit is Starting from 200 yuan, the highest limit is assessed based on some credit value generated by the accumulation of some data on his daily consumption.