The Xianghua Card does not check the credit score when applying. It will only check the credit score when borrowing money, which is approved by the system. The application threshold for the enhanced card is still relatively low, and you can apply immediately as long as you provide the corresponding information. Xianghua Card is a virtual credit card launched by Shanghai United Credit Wallet. As long as you open it, you will get a certain limit. The use period is the same as a credit card. Generally, when you need to bind Alipay and WeChat payment, you should choose Xiaohua Card. Just pay and then repay according to the bill. If there are overdue records, they will be uploaded to the National Credit Reference Center, which will affect subsequent loan applications. If the loan is not repaid for a long time, it will also be collected.

1. What is a virtual credit card?

A virtual credit card is actually very simple to understand. It is a card that does not have a physical card, but can replace the physical card for payment. The virtual card is mainly composed of a 16-digit card number, an expiration date and a three-digit code. Currently, the more common card segments on the market are 5329, 4859, 4044, and 5120. There are currently many card segments. The emergence of virtual cards is mainly for the safety of credit card users, because there are many problems with credit cards and bank cards being stolen, and the emergence of credit cards is very safe in a certain sense.

2. Virtual credit card application

Virtual credit cards also have advantages over some ordinary credit cards. Ordinary cards are valid for 3 to 5 years. After the validity period is up, you need to replace the card. Virtual credit cards The credit card is disposable and can be used as long as you keep recharging it, which avoids the trouble of changing cards to a certain extent. If you want to apply for a virtual credit card, you only need to call the bank's customer number and follow the customer service guidance, or operate it on the bank's official website APP. There is no need to go to the site to apply for a virtual credit card. As long as you provide the corresponding information, you can apply for it quickly, which is very convenient.

3. Which banks are currently available for application

Among the 14 mainstream banks, most banks have virtual cards, such as the more common CCB Rural Card e-payment card and rural credit card. The application method for the Bank of China digital credit card is very simple. Just follow the steps on the WeChat official account or official website.