Virtual credit card has no physical card, because there is no business card printing and card issuing link, and the application time is very short, especially online application. For non-white households, the card results can be issued as soon as 5 minutes after submitting the application, and the bank will also send a text message to inform them. If the online application needs to go to the bank outlet for face-to-face signing after the card is successfully applied, friends who want to use the card quickly can go to face-to-face signing on the same day.

The "virtual card" of a bank card is a virtual account number derived from the BIN codes of UnionPay, VISA and MasterCard, which is mainly used for online payment without a physical card. Like physical cards, virtual cards of bank cards are also divided into virtual credit cards and virtual debit cards.