Virtual credit card is a credit card that only exists in the online world. They do not have the physical properties of physical cards, but they can be used for online shopping, online payment, booking and other activities like physical cards. Virtual credit cards do not deduct money directly like physical credit cards, but charge accounts and pay funds through virtual accounts, which is more convenient, safe and private.

The use of virtual credit card tests the technical level of network security and the reliability of payment platform. Virtual credit card itself is a kind of virtual commodity, which needs the help of online payment platform to complete the actual payment operation. Therefore, the security, reliability, practicality and convenience of virtual credit cards are the key issues in the promotion of virtual credit cards.

The popularity of virtual credit cards will have a far-reaching impact on traditional payment methods and financial services. The appearance of virtual credit card will better promote the development of internet payment and e-commerce, help to improve the convenience and security of online payment, tap the potential of e-commerce, accelerate the reform of financial supply side and promote social and economic development, and become a major innovative practice of China's financial service industry.