What is a virtual credit card? How to apply?

Although Taobao Huabei, JD.com Baitiao, and Tmall Installment are all equivalent to virtual credit cards, many people only see the word credit card and ignore "virtual". So what exactly What is a virtual credit card? What are its benefits? How to apply for a virtual credit card?

1. What is a virtual credit card?

Virtual credit card, also known as virtual VISA credit card, VISA virtual card, VISA international credit card, VISA virtual credit card, task card, EB activation card and iOffer activation Cards, game activation cards, PayPal activation cards, etc. are products aimed at users who do not have international credit cards or are worried about the security of credit card payment and need to shop abroad, activate various online accounts, recharge, etc.

Virtual credit cards originated from the "Demand Survey Questionnaire" launched by Taobao, a subsidiary of Alibaba's parent company, to understand the feasibility of providing deposits, loans and virtual credit card services to individual buyers on Taobao. He learned that bank deposit accounts can be linked to Alipay accounts, and innovatively proposed the concept of virtual credit cards for the first time. 2. Virtual credit card application process

1. Identity verification: Call the credit card hotline of the issuing bank. After successful identity verification, you can apply for a virtual card.

2. Setting information: Confirm the physical card information of the virtual card you want to apply for, and set the virtual card's effective and expiry date, single and cumulative transaction amount.

3. Record: record the virtual card informed by the customer service staff. For the security of your account, the security verification code and card validity period will be sent to the cardholder's registered mobile phone number via text message (it is best to check your registered mobile phone number with the customer service staff).

4. Online payment: After receiving the text message from the bank, the cardholder can make online payment.

What does virtual card mean?

Virtual credit card, also known as: virtual VISA credit card, VISA virtual credit card, VISA virtual card, VISA international credit card, task card, game activation card, PayPal activation Cards, EB activation cards and iOffer activation cards are products launched for users who do not have international credit cards or are worried about the security of credit card payments and need to shop online, activate various online accounts, recharge, etc.

Virtual cards have the following characteristics:

1. The application is convenient and fast. When customers apply for this card, there are no complicated procedures and no long waiting, which can take at least a few minutes or up to ten minutes. You can get your card in minutes.

2. It is safe to use. This card is a non-overdraft credit card, and there is no risk of malicious overdraft due to submitting the credit card information to others. At the same time, customers can effectively avoid the leakage of private information when using this card. Let you use it freely without any worries.

3. This card is a standard VISA international credit card, including 16 digits, expiration date and 3 digits CSC/CVV2 code. Personal information such as name, phone number, address, etc. can be filled in according to customer needs during use.

4. The validity date (expiration date) of activation virtual credit cards is one to two years, which ensures the security of activated accounts (such as PayPal, EB, etc.). (Note: As we all know, PayPal and EB systems regard accounts with credit cards with an expiration date of less than six months as "high-risk accounts" and may restrict the use of such "high-risk accounts" at any time).

5. This card is a pre-deposit VISA international credit card. The card can apply for different amounts of US dollar credit between US$1 and US$500 according to customer needs.

6. This card is valid all over the world. You can shop and pay on any international online website, such as registering domain names, purchasing space, purchasing game points, and purchasing software on American websites. Because this card is a pre-deposited VISA international credit card, merchants will prefer this type of payment to ordinary physical credit cards because it has no credit security issues and merchants can receive payment 100%.

7. This card can perfectly support the activation of PayPal accounts, EB transaction accounts, game accounts, various tasks and other international network accounts, etc. This account can be PayPal, international EB, online games and other network accounts. It supports any of the countries. When you enter the step where you need to fill in a credit card during the activation process, this card will allow you to pass smoothly. The account activated with this card has exactly the same effect as if you activated it with an ordinary physical international credit card.

8. This card is issued by a regular bank that joins the VISA international organization and abides by the rules and regulations of the VISA international organization.

What is a "virtual credit card"?

Also known as: virtual credit card, virtual VISA credit card, VISA virtual credit card, VISA virtual card, VISA international credit card, task card, game activation card, PayPal activation card, EB activation card and iOffer activation card, etc. This product is launched for users who do not have an international credit card or are worried about the security of credit card payment and need to shop online abroad, activate various online accounts, recharge, etc. The virtual credit card is bundled with the real user's credit card, providing a variable 16-digit account number for online transactions without leaking real credit card information online.

Some virtual credit card accounts are for one-time use, while others can be recharged for continued use. Used for a purchase or transaction that people make on the Internet. Since the real account number is not visible to the transaction, even if the retailer's database is hacked, the account number can be avoided.

For example, when a user pays in the checkout center of a retailer's website, a virtual credit card image appears and asks if you plan to pay with a one-time number or if you want your payment to be entered automatically. information.

Of course, not all transactions can use virtual accounts. The one-time account number is linked to the cardholder's real account number and the transaction is valid only when the cardholder uses the card issuer's system. Otherwise, you will be asked to enter your real credit card information to complete the payment.

Bank of America, Citibank, etc. provide such security services.

There is also a "virtual credit card" model that appears on third-party payment platforms. The most typical specimen is PAYPAL. Her "virtual credit card" is provided to users who use PayPal payment tools but make transactions on websites that do not support PayPal to help them shop quickly and efficiently

What is a credit card virtual card

< p>Virtual credit card, also known as virtual visa credit card, visa virtual credit card, visa virtual card, visa international credit card, task card, game activation card, PayPal activation card, EB activation card, Ioffer activation card, is aimed at the following users: No international Credit card or worry about the security of credit card payment, need to shop abroad and activate various online accounts to launch products under conditions such as recharge.

1. Credit card processing is convenient and fast. Customers can apply for this card without complicated procedures or waiting for a long time. They can get the card in a few minutes or more. Safe to use. This card is a non-overdraft credit card. There is no risk of malicious overdraft after the credit card information is submitted to others. At the same time, customers can effectively avoid the leakage of private information when using this card. Let you use it freely without any worries.

2. This card is a standard visa international credit card, including a 16-digit, expiration date and 3-digit CSC/CVV2 code. Personal information such as name, phone number, address, etc. can be filled in according to customer needs. The validity period (expiration date) of an activated virtual credit card is one to two years, which ensures the security of activated accounts (such as PayPal, EB, etc.). (Note: As we all know, PayPal and EB systems regard accounts with credit cards with validity less than 6 months as "high-risk accounts" and may restrict the use of such "high-risk accounts" at any time).

3. This card is a pre-stored visa international credit card. The card can apply for a US dollar credit limit ranging from US$1 to US$500 according to customer needs. This card is valid worldwide. You can pay for purchases on any international online website, such as registering a domain name, purchasing space, and purchasing game cards and software on a US website. Because this card is a pre-stored visa international credit card, merchants will prefer this payment method to ordinary physical credit cards because it has no credit security issues and merchants can receive 100% of the payment.

4. This card can perfectly support the activation of international online accounts such as PayPal accounts, EB transaction accounts, game accounts, and various tasks. The account can be in any country supported by online accounts such as PayPal, International EB, and online games. When you enter the step of filling out the credit card during the activation process, this card will allow you to pass smoothly. The account activated by this card is exactly the same as the account activated by ordinary physical international credit cards.

What does a virtual credit card mean?

A virtual credit card is an independent virtual credit card specially used for online consumption. The card does not have a specific card level. The cardholder can turn on or off the transaction function at any time. . Virtual credit cards enjoy preferential policies on annual fees during the validity period. A virtual credit card is actually a virtual account set up under an existing credit card account.

It is convenient to apply for a virtual credit card. Cardholders can call the card issuing bank’s phone banking or log in to the card issuing bank’s personal online banking to apply directly. After passing relevant identity verification, the cardholder can obtain a virtual card. Validity date, CVV2 code, etc., you can complete the application in a few minutes.

Virtual credit card is a virtual payment account established by the bank to facilitate cardholders to make online payments and enhance payment security. Since the People's Bank of China suspended Alipay and Tencent's virtual credit card products on March 13, 2014, the virtual credit card business has been suspended, and the specific recovery time is unclear.

Virtual credit card supports credit card products of UnionPay, MasterCard, VISA and other card organizations. Cardholders can use one physical card without applying for an additional virtual card and without charging any fees.

Cardholders can set single and cumulative transaction limits and card validity periods for each virtual credit card, thereby controlling the risk of online payments within a certain time and limit.

This is the end of the introduction about why it is called a virtual credit card and whether you can still apply for a credit card with a virtual credit card. Have you found the information you need?