1. This credit card product allows users to conduct online transactions and cloud payment transactions, and belongs to the personal credit card account of Shanghai Pudong Development Bank. After handling credit card products, users can freely set the consumption limit and service life within the credit limit of the credit card, or suspend or open the use of the credit card at any time to avoid the credit card being stolen to the greatest extent. In addition to the UnionPay version, PUFA UnionPay ego Credit Card also has visa version, American Express version and MasterCard version. The latter three versions can only be consumed overseas and in Hong Kong, Macao and Taiwan.
2. As PUFA UnionPay ego credit card is a virtual credit card product, it can only be used online, and cannot be swiped offline, which means that the credit card product does not have the cash withdrawal function. However, there are still certain rights and interests. The main rights and interests are that you can spend directly on the merchant platform of four-card institutions and enjoy exclusive rebates; Secondly, no matter what kind of foreign currency is used for consumption, foreign exchange can be purchased automatically in RMB without foreign exchange handling fees; Credit cards can enjoy a lifetime annual fee-free policy.
3. It needs to be reminded that if you want to apply for a PUFA UnionPay ego credit card, the user must first be a credit card holder of PUFA Bank. Users can apply for up to 4 PUFA UnionPay ego credit cards on the premise of holding a physical credit card of Shanghai Pudong Development Bank.
The differences between a virtual credit card and an ordinary credit card are as follows:
1. Usage time: Some virtual credit card accounts are disposable, while others can be recharged and used continuously. Ordinary credit cards also have a validity period, usually 3-5 years. When the expiration date is reached, the credit card will be replaced and can be replaced by itself. Some banks will send new cards to credit card holders voluntarily.
2. In the form of cards, virtual credit cards have no physical cards, but account numbers for transactions on the Internet. Therefore, the management is more convenient and the use is safer. Ordinary credit cards need to be carried with you, which can also prevent the risks of being stolen, lost, information leaked and so on.
3. Application method To apply for a virtual credit card, you can call the bank customer service or website to apply. Ordinary credit cards need to submit various application materials and wait for the bank to review and mail them.
4. Advantages of virtual credit card. Because there is no physical card, the risk of card theft is effectively reduced, and the problem of copying the card number and anti-counterfeiting code is also solved. At the same time, most virtual credit cards can set the transaction limit and validity period, and can also choose to disable or enable the card according to personal needs. In particular, overseas Taobao users can temporarily disable their cards when they are not shopping. The occurrence of brush theft can be largely avoided.