There is an annual fee after activation. The bank tells the user that the virtual card does not charge an annual fee, so it will not charge the user an annual fee whether it is activated or not. Usually, banks will set an annual fee for each virtual credit card, so users should follow the rules. Virtual cards, even if they charge an annual fee, can usually be used to reduce expenses unless users do not use activation, in which case an annual fee may be charged.

Can I withdraw cash from my virtual credit card?

Because it is a virtual card, you can't withdraw cash directly, and you can apply for cash installment. Cash installment refers to the business that the cardholder applies to China Construction Bank to withdraw a small amount of money from his dragon card and divide the money into several installments for repayment. After the approval, the Construction Bank will transfer the funds to the cardholder's collection account, and the cardholder will repay the money within the agreed time limit on a monthly basis and pay a certain handling fee. This business can be applied to online banking, financial services and mobile banking of CCB.