The so-called "digital credit card" is actually an "electronic credit card", which is a virtual card. After the customer successfully applies, the bank will provide a set of virtual card number, security code, expiration date and other information. After the customer is activated, it will be bound to the issuing bank's mobile banking, or UnionPay China UnionPay Express, as well as third-party payment platforms such as Alipay and WeChat, so that payment can be made quickly.