Virtual credit cards cannot be overdrawn. Virtual credit cards have no overdraft function and need to be attached to physical credit cards. It is a virtual payment account. The funds of virtual credit cards are advanced by financial institutions, which may produce virtual base currency in the short term, while the legal tender in China is only RMB.

According to the relationship between virtual credit cards and physical credit cards, virtual credit cards can be divided into three categories: the first category is the main card type virtual credit card, the second category is the sub-card type virtual credit card, and the third category is the mapping type virtual credit card. In fact, the attached virtual credit card is similar to the mapped virtual credit card, and both need to be attached to the physical credit card.

Because the virtual credit card can't be overdrawn, it can avoid the credit card being stolen to a great extent. Most virtual credit cards can set transaction limits and validity periods, and cardholders can choose to turn on or off the transaction function of virtual credit cards according to their own needs.

Because the virtual credit card has no physical card, it effectively reduces the bank's business card printing cost. Virtual credit cards conduct online transactions with information such as card number and expiration date, and cardholders still need to raise their risk awareness when using virtual credit cards.

Virtual credit card is a kind of card dedicated to online payment. During the validity period of the virtual credit card, the cardholder can enjoy the preferential policy of annual fee, and the virtual credit card has no card level.