The biggest disadvantage is that there is no physical card, that is, there is no "magnetism". Nowadays, network security is improving day by day, and most merchants begin to ask customers to provide scanned credit cards they use and sign credit card security agreements. For users of virtual credit cards, this is obviously impossible. They are faced with no money to pay, but their reliability is questioned by the merchants. Therefore, before using it, you must ask the merchants whether they accept virtual credit cards, so as not to cause inconvenience.