How to swipe Hua Xia flash card virtual credit card? You can pay with your phone

Hua Xia Bank flash card virtual credit card, because there is no physical card, only a set of virtual and CVV2 codes, and validity period, some card friends think that it can only be consumed online. In fact, this is not the case. China Flash Card virtual credit card can also be swiped offline, but you need to use mobile payment tools. Let’s learn about it together.

How to swipe Hua Xia flash card virtual credit card?

Before using the Hua Xia Flash Card virtual credit card, we must be prepared. First, we need to find a smart device with NFC function, such as a smartphone, and then install a Cloud QuickPass on the phone. APP, open the UnionPay APP to bind the Hua Xia Flash Card virtual credit card, and follow the prompts to enter the expiration date, security code, mobile phone verification code, etc. to complete the card binding.

After the card is successfully bound, you can use the Hua Xia Flash Card virtual credit card to swipe the card. There are two ways:

1. Open the Cloud QuickPass POS machine in the mall. In the QuickPass APP, change the payment method to the Huaxia Flash Card virtual card, then turn on the NFC function of the phone, bring the phone close to the POS machine, and the transaction can be completed with a click without entering a password, which is convenient and fast.

2. Turn on the code scanning function on the UnionPay APP, scan the merchant’s payment code, select the payment method as Hua Xia Flash Card virtual card, and enter the transaction password.

In short, although Hua Xia flash card virtual credit card does not have a physical card, it can be used to pay, allowing you to enjoy a convenient payment experience. Let me tell you the most cost-effective way to swipe the Hua Xia Flash Card virtual card, that is, swipe the card the day after the billing date, so that the consumption this month will be billed next month, so you can enjoy the longest interest-free period.

Finally, I would like to remind everyone that after using the Hua Xia Flash Card virtual credit card to make purchases, you must repay it on time. Although you have a physical card and cannot deposit and repay directly through ATM machines, you can repay through online banking transfers. To make a payment, it is best to use the UnionPay APP to repay. Now you can also get red envelopes when repaying!

I applied for a virtual credit card from Bank of China. Can you tell me how to use it?

Currently, Bank of China has suspended the credit card virtual card application business. Customers who have applied can make purchases by filling in the virtual card, validity period, and CVV2 code when paying by phone or online during the validity period of the virtual card.

The above content is for your reference, please refer to actual business regulations.

Virtual credit card

Virtual credit card refers to a credit card without entity. It mainly consists of a set of virtual and three-digit security codes. It focuses on online payment and is bound to the virtual credit card on the mobile phone. Credit cards can also be used for offline purchases.

1. Definition of virtual card

Virtual credit card is a type of virtual bank card. It is different from credit cards in physical media. It is a virtual account number derived based on the BIN code on the bank card. , there is no physical card but it can be used for payment and settlement. Cardholders can use virtual credit cards to participate in various card-swiping promotions like physical cards.

2. Classification of virtual cards

Virtual credit cards can be divided into three categories according to their relationship with physical credit cards and their implementation methods:

1. Main card type Virtual card: used for an independent and complete main account that does not rely on physical credit cards, such as CCB Dragon Card e-payment card;

2. Additional card virtual card: an additional card that is attached to a physical card. This type of card You can apply for several virtual card accounts through one main card, and only need to repay the main card when repaying;

3. Mapping virtual cards: such as ApplePay, SamsungPay, HCE Cloud Quick Pass Credit card etc.

3. Differences from physical cards

1. Usage time

The usage time of virtual credit cards is relatively short, some are only one month, and they can no longer be used after expiration; Physical credit cards are generally used for 3 to 5 years, and they can be used again if the card is expired;

2. Card form

Virtual credit cards do not have a physical card, but only consist of a set of virtual numbers It is composed of a three-digit security code, which is more convenient to manage and has higher security.

Physical cards have specific cards that can be used to make purchases directly at POS machines. However, because they have physical cards, they are easily stolen, lost, information leaked, etc.

3. Application method

To apply for a virtual credit card, you can call the bank customer service or the website to apply. It can be approved in as little as 5 minutes. After approval, you can spend directly online.

A physical card needs to be applied at the counter or online. After successful approval, you need to get the physical card, activate the credit card, and set a password before you can use it.

How to use the Industrial Bank virtual credit card

The Industrial Bank virtual credit card only has a string of virtual cards and does not have a physical card, so many cardholders do not know how to use it. In fact, this virtual credit card is mainly used for online payment, or when used with mobile devices. Let me introduce to you how to use the Industrial Virtual Credit Card.

First, let’s understand what an Industrial Bank virtual credit card is.

Generally, if you apply for an Industrial Bank credit card online, you will receive an approval text message after the card is successfully approved, requiring the cardholder to bring it within the specified time. Bring a valid ID and go to the counter of a bank branch with a text message to activate the virtual credit card. Only after the virtual credit card is activated will you receive the physical card.

After the virtual credit card is successfully activated, the counter staff will provide you with a string of 16-digit virtual credit cards, and then you will receive a card activation text message with a CVV2 code, and then you can Use Industrial Bank credit card.

Let’s take a look at the usage of Xingye Virtual Credit Card

Because there is no physical card, the usage of virtual credit card is different from that of physical cards. Generally, it can only be used for online payment. Make a cash withdrawal. There are two specific usages, one is to bind quick payment, and the other is to use it with the help of mobile devices.

1. Binding quick payment generally refers to binding a virtual credit card on Alipay and WeChat, and then swiping the virtual credit card, CVV2 code, and SMS verification code when shopping online to complete the payment.

2. Using mobile devices generally refers to binding a virtual credit card to Applepay or Cloud QuickPass, and then you can pay at POS with the QuickPass logo.

Summary: Since the Industrial Virtual Credit Card does not have a physical card, it can only be paid with the CVV2 code and SMS verification code. Therefore, cardholders can effectively avoid the leakage of private information when using this card. However, the validity period of the virtual credit card It’s only one month. Once the physical card is received, the virtual card will automatically expire after activating the physical card.

What is the scope of use of Bank of China Credit Card Virtual Card?

Scope of use of credit card virtual cards:

1. Third-party online payment: The virtual card can be used directly for online consumption at third-party online merchants (including domestic and overseas merchants), and the payment rules may be As the requirements of different merchants are adjusted, the payment process is mainly completed by providing virtual cards, validity periods, and security verification codes.

2. Bank of China Online Banking Payment: Virtual cards can be linked to Bank of China Online Banking and after activating online banking payment, Bank of China Online Banking payment can be made. The payment process is the same as that of a physical card. Transfers and transfers cannot be accepted.

3. Telephone payment: Virtual cards can be paid via telephone MOTO transactions at domestic merchants. The payment rules refer to the specific merchant requirements. During the payment process, the virtual card, validity period, and security verification code are usually required.

The above content is for your reference, please refer to actual business regulations.

How to withdraw cash from virtual credit card? Pay attention to these things!

We all know that credit card cash withdrawals are performed by inserting the physical card into an ATM machine, while virtual credit cards consist of a set of virtual and security codes. For this reason, many cardholders believe that virtual credit cards cannot withdraw cash. In fact, this is not the case. Although virtual credit cards do not have physical cards, they can also withdraw cash without a card. Let’s learn about it together.

1. How to withdraw cash from virtual credit card?

Virtual credit cards cannot be used to withdraw cash directly, but they can be bound to mobile payment tools for cardless cash withdrawals. For example, download a Cloud QuickPass APP on a mobile phone with NFC function, and then bind the virtual credit card to Cloud QuickPass. , and set it as the default payment card, then find an ATM that accepts cardless transactions.

Cash withdrawal process: Click on cardless payment on the ATM machine, turn on the NFC function of the phone, call up the virtual card bound to Cloud QuickPass, and then put the phone on the NFC contact plate of the ATM machine. Keep the phone on, then click on the menu items in sequence: mobile contactless payment--financial transactions--credit card--withdrawal (this is probably the option), and just follow the prompts.

2. Virtual credit card cash withdrawal matters:

1) Virtual credit card cash withdrawal must have a smartphone with NFC function, and it needs to be operated on an ATM machine that supports card-less transactions ;

2) The existing transaction limit of a virtual credit card is limited, and the total cash withdrawal limit is only 50% of the credit limit, and the single-day limit does not exceed 10,000 yuan;

3) The virtual credit card also requires cash withdrawals If there is a handling fee, the fee is the same as cash withdrawal with a physical card. The details will depend on the card issuing bank's regulations.

4) After successfully withdrawing cash from your virtual credit card, you must remember to exit the credit card interface to prevent others from stealing it.

To sum up, there are two important conditions for withdrawing cash with a virtual credit card, and you should pay attention to the above matters when withdrawing cash. I hope this introduction can be helpful to everyone.

This ends the introduction on how to use virtual credit cards and which banks have virtual credit cards and how to apply for them. Have you found the information you need?