1. Consolidated accounts. When a customer applies for a credit card, the bank will open a virtual card account to manage the credit card consumption and repayment. When a customer needs to apply for another credit card, the bank will merge the two accounts into one account for easy management.

2. upgrade. Some banks will upgrade their customers' credit card accounts to virtual card accounts when they meet certain conditions. When the customer's credit card account continuously consumes a certain amount or after a certain period of time, the bank will automatically upgrade the account to a virtual card account.