Privacy protection: Virtual credit cards can improve users' privacy protection because they are not directly related to users' actual credit card accounts. This helps to reduce the risk of users' personal and financial information being leaked in online shopping.

Restrict use: users can limit the amount, validity period and use of virtual credit cards, thus reducing potential losses. Some services even support one-time virtual credit cards, which are discarded after use.

Real-time monitoring: Some virtual credit card service providers provide real-time transaction monitoring and notification functions, so that users can know their account activities in time and help to find potential problems early.

Disadvantages-

Acceptance: Virtual credit cards are not widely accepted everywhere. Some merchants and websites may not support virtual credit card payment, so users may need to use traditional physical credit cards in some cases.

Technical problems: The use of virtual credit cards usually depends on the Internet and technical infrastructure. In the event of technical failure, network problems or service interruption, users may face payment problems.

Fees: Some virtual credit card services may charge extra fees. Users need to know the cost structure of related services to avoid unexpected costs.