The steps for credit card simulation consumption are as follows:

1. Find a virtual credit card online, or apply for a test credit card through your own bank.

2. Add this virtual credit card to your Alipay, WeChat Pay and other APP payment methods.

3. Find the goods or services you want to purchase in the online mall or APP, and then choose to pay by credit card.

4. Enter the card number, validity period, verification code and other information of the virtual credit card.

5. After clicking to confirm the payment, the system will simulate the deduction, and the detailed information of the purchase can be seen in the purchase record.