Digital credit card is actually an electronic credit card, which refers to a virtual card. After the user applies for a digital credit card, the bank will provide the cardholder with a set of virtual card number, security code, card validity period and other information. After the cardholder activates the card, he can make transaction payment through the third-party platforms such as mobile banking, China UnionPay Express, Alipay and WeChat.

Digital credit cards can be used for online or offline consumption. Online credit card payment only needs to choose a digital credit card, while offline consumption needs the help of WeChat, Alipay, China UnionPay Express and other tools to pay successfully.

Digital credit cards can be applied directly in major banks. Some digital credit cards have dual-card properties, and credit card properties mean that digital credit cards can use both virtual cards and physical cards. For example, the Huawei card that Huawei cooperates with a number of banks, customers can apply for a physical card after successfully applying for a Huawei card in Huawei Mall. After the application is successful, the cooperative bank will issue the physical card to the customer, and the customer can use it normally after activating the credit card.