Bind ICBC's physical credit card to APPLEPAY or Huawei PAY, then open APPLEPAY or Huawei PAY, and put the mobile phone in the flash payment area of UnionPay POS machine, and you can spend by swiping the card. When ICBC's physical credit card is bound to APPLEPAY or Huawei PAY, it will generate ICBC's virtual credit card.

ICBC's virtual credit cards are generally bound to existing credit cards and attached to physical credit cards. It mainly relies on information such as virtual credit card and expiration date to complete online transactions. ICBC's virtual credit card is dedicated to online payment and cannot be directly used for offline payment.

If the cardholder wants to use the ICBC virtual credit card for offline payment, he needs to spend it through APPLEPAY or Huawei PAY. Icbc virtual credit card is a kind of mapped virtual credit card, and the ICBC virtual credit card generated in APPLEPAY or Huawei PAY is incomplete.

Cardholders can log in to online banking through ICBC messenger to inquire about the complete virtual credit card. Cardholders can also call ICBC and get a virtual credit card through manual customer service.

ICBC virtual credit card can be regarded as a flash payment product. You don't need to enter a payment password to make small purchases with ICBC virtual credit card. You only need to open APPLEPAY or Huawei PAY on your mobile phone and put it in the flash payment area of UnionPay POS machine.

How to spend the virtual credit card of Industrial Bank?

Xingye Virtual Credit Card has no physical card, so all restrictions on credit card consumption can only be used for online consumption. Of course, after binding the virtual credit card on Alipay and WeChat, you can also use the credit card to spend in some physical stores by scanning the QR code. Let's introduce how to use virtual credit card to spend.

As many friends know, after applying for the Industrial Bank credit card, the bank will send you a set of virtual credit card and a three-digit security code, so that you can spend with the virtual card before receiving the physical card.

However, because the virtual card has no physical card, it can only be swiped online for shopping. Of course, credit cards can also be tied to some third-party payment platforms and consumed in some physical stores. The specific eating method is as follows:

1. Online shopping: For friends who like online shopping, as long as they select the goods they want to buy in Taobao, JD.COM and other shopping malls, choose a credit card as the payment method, and enter the virtual credit card, security code and mobile phone verification code, they can spend by swiping their cards.

2. Offline shopping: If you want to pay online with a virtual card, you must bind the virtual card to Alipay, and then open fast payment. When checking out, scan the Alipay QR code of the store and pay with a credit card.

Need to be reminded that when using a virtual card to swipe your card, you must pay attention to the safety of using the card. When shopping online, you must know the online merchants you are trading with, choose a safe website to pay, carefully choose the seller's merchants, and don't disclose your credit, expiration date, password and other information to fictional sellers. Don't log on to the seller-induced payment platform, and beware of false payment websites.

I'll tell you one of the most cost-effective ways to swipe a virtual card, that is, swipe the card on the same day as the bill, because spending by swiping the card on the same day will generally be recorded in the next day, and then the bill will be issued next month, so that you can enjoy the longest interest-free period.

For example, suppose that the billing date of Xiao Qi Xingye Virtual Card is 1 every month, the repayment date is 20th of every month, and she spends it on February 1, then the bill is issued on 1 and the repayment is between 1 and the end of120th, so you can enjoy the longest 50.

I would like to remind you that using virtual credit cards also requires timely repayment, otherwise overdue repayment will affect personal credit. If you don't have a physical card, you can repay it through online banking transfer, or you can repay your credit card through Alipay or WeChat.

How to use the virtual credit card of China Construction Bank?

Virtual credit card is a kind of virtual bank card, which is different from the credit card of physical media. It is a virtual account number derived from the BIN code on the bank card. There is no physical card, which can be used for payment and settlement. Cardholders can use virtual credit cards to participate in various credit card preferential activities like physical cards.

China Construction Bank launched the first real online credit card-Longka e-payment card in the field of Internet innovation, and joined hands with UnionPay, VISA and MasterCard to provide customers with high-quality online payment experience and open a new era of convenient, safe and efficient card-free payment.

Different from physical media credit cards, Longka e-Payment Card is an online credit card initiated by CCB, which can be applied online in real time. After the successful bid, the customer obtained the validity period, security code and other information. Through SMS verification, and then safely bound to mobile banking or personal online banking, thus opening a new online payment journey.

Extended data:

Precautions:

The electronic payment card of CCB Longka is a virtual card of the main card type, which is used for an independent and complete main account and does not depend on a physical credit card. Because there is no physical card, the risk of card theft is effectively reduced and the problem of security code is solved.

Most virtual credit cards can set the transaction limit and validity period, and you can also choose to disable or enable the card according to your personal needs, especially for Haitao users, you can temporarily disable the card when you are not shopping. Can largely avoid the occurrence of brush theft.

Longka electronic payment card can be used online and offline, and it is universal at home and abroad. When paying online, it can meet the requirements of UnionPay, VISA, MasterCard and other card organizations, online banking payment and third-party fast payment; Offline payment can be combined with mobile payment tools such as HCE Longka China UnionPay Express and Longka ApplePay for offline POS consumption and ATM cash withdrawal transactions.

The cardholder can set the trading switch of the electronic payment card of Longka through the mobile banking and personal online banking of China Construction Bank, and turn it on and off as needed. At the same time, you can also set a single transaction limit and a transaction reminder function. It should be noted that the closing of the transaction function does not affect the refund and repayment, and the SMS reminder of the transaction during the preferential period is free.