1. apply for and get a virtual card: You should apply for a virtual card at Shanghai Pudong Development Bank official website or Mobile App. Fill in the relevant information and wait for approval after completing the application process. Once approved, you will get the necessary information, such as the card number and security code of the virtual card.

2. Binding and use of the virtual card: bind the virtual card to the payment account (Alipay, WeChat payment, etc. ). When spending, choose to use the virtual card to pay, and enter the card number, validity period and security code of the virtual card. After the payment is confirmed, the corresponding consumption amount will be deducted from the virtual card balance.

3. Repayment and management of the virtual card: according to the consumption installment plan, repay the arrears of the virtual card on time. Repayment can be made through official website of Shanghai Pudong Development Bank, mobile APP or other designated channels. You can also manage virtual cards through channels to view transaction records, balances and other related information.