To repay, digital credit cards are essentially a kind of credit card. The only differences between them and physical credit cards are the presence or absence of cards, how to use them, and how to repay. But it doesn’t mean that you don’t have to pay for it with interest.

1. The difference between having a card and not having a card. Although both are credit cards, the essence of digital credit cards is a virtual card, which consists of virtual card number, security number, validity period and other information; physical credit cards have one card .

2. Differences in usage. Digital credit cards must be bound to a third-party platform before they can be used, while physical credit cards can be used directly on POS machines.

3. Digital credit cards can only be used to make payments online, such as Alipay, WeChat, mobile banking and other payment methods; for physical cards, in addition to online transfers and refunds, the card can also be inserted into an ATM machine for deposits and refunds, etc.