the so-called "media-free credit card (debit card)" actually refers to a credit card (debit card) without any physical card, that is, an electronic credit card (debit card). After successful application, customers will get a series of card numbers and corresponding credit lines, and then they can bind the card numbers to UnionPay China Unionpay Quick Pass or third-party payment platforms such as Alipay and WeChat for operation and consumption.

and many banks have launched such credit cards (debit cards), such as ICBC's unbounded digital platinum card and China Construction Bank's Longka unbounded digital credit card (debit card), all of which were launched in cooperation with China UnionPay.