Virtual credit card is a kind of virtual bank card, which is different from the credit card of physical media. It is a virtual account number derived from the BIN code on the bank card. There is no physical card, which can be used for payment and settlement. Cardholders can use virtual credit cards to participate in various credit card preferential activities like physical cards.
China Construction Bank launched the first real online credit card-Longka e-payment card in the field of Internet innovation, and joined hands with UnionPay, VISA and MasterCard to provide customers with high-quality online payment experience and open a new era of convenient, safe and efficient card-free payment.
Different from physical media credit cards, Longka e-Payment Card is an online credit card initiated by CCB, which can be applied online in real time. After the successful bid, the customer obtained the validity period, security code and other information. Through SMS verification, and then safely bound to mobile banking or personal online banking, thus opening a new online payment journey.
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The electronic payment card of CCB Longka is a virtual card of the main card type, which is used for an independent and complete main account and does not depend on a physical credit card. Because there is no physical card, the risk of card theft is effectively reduced and the problem of security code is solved.
Most virtual credit cards can set the transaction limit and validity period, and you can also choose to disable or enable the card according to your personal needs, especially for Haitao users, you can temporarily disable the card when you are not shopping. Can largely avoid the occurrence of brush theft.
Longka electronic payment card can be used online and offline, and it is universal at home and abroad. When paying online, it can meet the requirements of UnionPay, VISA, MasterCard and other card organizations, online banking payment and third-party fast payment; Offline payment can be combined with mobile payment tools such as HCE Longka China UnionPay Express and Longka ApplePay for offline POS consumption and ATM cash withdrawal transactions.
The cardholder can set the trading switch of the electronic payment card of Longka through the mobile banking and personal online banking of China Construction Bank, and turn it on and off as needed. At the same time, you can also set a single transaction limit and a transaction reminder function. It should be noted that the closing of the transaction function does not affect the refund and repayment, and the SMS reminder of the transaction during the preferential period is free.