What does a bank virtual card mean?
The "virtual card" of a bank card is a virtual account number derived from the BIN codes of UnionPay, VISA and MasterCard on the bank card, which is mainly used for online payment without a card.
virtual cards of bank cards, like physical cards, are also divided into two categories: virtual credit cards and virtual debit cards.
bank virtual card functions:
first, the application is fast. Users can apply directly in the online banking of the bank or directly call the customer service phone of the credit card, and soon get a virtual, valid and security code, and then they can use it online.
second, it is safe to use. The validity period and limit can be set according to the scope of the physical card, and the virtual card can be cancelled at any time, which does not affect the use of the physical card.
Third, I can participate in various credit card activities. Because it is a real card BIN code, the virtual card can also participate in various consumer preferential activities organized by the card organization and the issuing bank. Some activities are not based on ID cards, but on cards. Of course, this seems to be something that event organizers don't want to see, so some virtual cards have lost this feature.
fourth, the card can be used exclusively. There are quite a few users who have this demand. For example, some cards are used for online shopping and some cards are used for recharging. In the past, it was necessary to apply for another physical card. Not to mention that it took a long time to apply for the next card, it is also annoying to manage these physical cards. Now, it is only necessary to apply for multiple virtual cards to meet the demand.
5. convenient repayment. Most physical cards need to repay each card separately, while virtual cards only need to repay their main cards, which is convenient for management.
VI. Being able to participate in repayment activities. For example, Lacarra and PayPal will engage in repayment activities from time to time, but most physical cards limit the number of transactions in a single month. Virtual cards can increase the chances of activities.
Extended information
Virtual credit card is a product launched for users who don't have an international credit card or are worried about the safety of credit card payment and need to shop online abroad, activate various online accounts and recharge.
Virtual credit cards can be divided into three categories according to their relationship with physical credit cards and their implementation methods:
First, the main card type virtual card is used for an independent and complete main account, which does not depend on physical credit cards, such as CCB Longka e-payment card;
2. supplementary cards attached to physical cards, that is, supplementary virtual cards, such as BOC Virtual Credit Card and CITIC Net Payment Card. This kind of credit card can apply for several virtual card accounts through one main card, but it is not necessary to repay each account separately or pay an annual fee separately, and everything can be left to the main card;
third, mapped virtual cards, such as credit cards applied to ApplePay, SamsungPay and HCE China Unionpay Quick Pass.
what is a virtual credit card?
virtual credit cards, also known as virtual VISA credit cards, VISA virtual credit cards, VISA virtual cards, VISA international credit cards, task cards, game activation cards, 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 safety of credit card payment and need to shop abroad, activate various online accounts and recharge.
The virtual credit card is bundled with the real user's credit card to provide a variable 16-digit account number for internet transactions, without allowing the real credit card information to be leaked between the networks. Some of the virtual credit card accounts are one-time use, and some can be recharged and continued to be used. Used for a shopping or trading behavior of people on the Internet.
because the real account number can't be seen in the transaction, even if the retailer's database is attacked by hackers, it can avoid the disclosure of the account number.
Extended information:
Features
First, it is convenient and quick to handle. The customer can get the card in a few minutes at most ten minutes without complicated procedures.
second, it is safe and secure to use. This card is a non-overdraft credit card, and there will be no risk of malicious overdraft because the credit card information is submitted to others. At the same time, customers can effectively avoid private information leakage when using this card. Let you use it freely without any worries.
third, this card is a standard VISA international credit card, which contains 16 digits, expiration date and 3 digits CSC/CVV2 code. Personal information such as name, telephone number and address can be filled in according to the needs of customers when using.
fourth, the effective date (expiration date) of the activated virtual credit card is one to two years, which well ensures the security of activated accounts (such as PayPal and EB accounts).
5. This card is a pre-paid VISA international credit card, and you can apply for different amounts of US dollar credit between US$ 1 and US$ 5 according to your needs.
6. This card is used all over the world. You can pay for shopping on any international online website, such as registering domain names, buying space, buying game cards and buying software on American websites.
because this card is a pre-paid VISA international credit card, compared with ordinary physical credit cards, merchants will prefer this kind of payment, because it has no credit security problem, and merchants can receive 1% payment.
7. this card can perfectly support the activation of PayPal account, EB trading account, game account, various tasks and other international network accounts, etc. this account can be any one of the countries supported by PayPal, international EB, online games and other online accounts.
when you enter the step of filling in a credit card during the activation process, this card will allow you to pass smoothly, and the account activated with this card has exactly the same use effect as that activated with an ordinary physical international credit card.
8. this card is issued by a regular bank that has joined the VISA international organization and abides by the rules and regulations of the VISA international organization.
Baidu Encyclopedia-Virtual Credit Card
What does a virtual credit card mean?
Virtual credit card is an independent virtual credit card specially used for online consumption. The card has no specific card level, and the cardholder can turn on or off the transaction function at any time. Virtual credit card enjoys the preferential policy of annual fee within 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. the cardholder can call the telephone bank of the issuing bank or log in to the personal online bank of the issuing bank to apply directly. after passing the relevant identity verification, the cardholder can get the virtual card, expiration date, CVV2 code and so on, and the application can be completed in a few minutes.
A virtual credit card is a virtual payment account set up by a bank to facilitate online payment by cardholders and enhance payment security. Since March 13th, 214, after the People's Bank of China stopped the virtual credit card products of Alipay and Tencent, the virtual credit card business was suspended, and the specific recovery time was not clear.
the virtual credit card supports credit card products of card organizations such as unionpay, MasterCard and VISA. Cardholders can apply for an attached virtual card without charging any fees under a physical card.
the cardholder can set a single and cumulative transaction limit and card validity period for each virtual credit card, so as to control the risk of online payment within a certain time and limit.
what is a credit card virtual card?
virtual credit cards, also known as virtual visa credit cards, visa virtual credit cards, visa virtual cards, visa international credit cards, task cards, game activation cards, PayPal activation cards, EB activation cards and Ioffer activation cards, are aimed at users who do not have international credit cards or are worried about the security of credit card payment, need to shop abroad and activate products launched under the conditions of recharging various online accounts.
1. Credit card processing is convenient and quick. Customers do not need complicated procedures to apply for this card, and do not need to wait 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, and there is no malicious overdraft risk after the credit card information is submitted to others. At the same time, customers can effectively avoid the disclosure of private information when using this card. Let you use it freely and have no worries.
2. this card is a standard visa international credit card with 16 digits, expiration date and 3 digits CSC/CVV2 code. Personal information such as name, telephone number and address can be filled in according to customer's needs. The validity period (expiration date) of the activated virtual credit card is one to two years, which well ensures the security of activated accounts (such as PayPal and EB accounts). (Note: As we all know, PayPal and EB systems regard accounts with credit cards with a validity period of less than 6 months as "high-risk accounts", which 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 line ranging from US$ 1 to US$ 5 according to customer needs. This card is universal. You can pay for shopping on any international online website, such as registering domain names, buying space, buying game cards and software on American websites. Because this card is a pre-stored visa international credit card, compared with ordinary physical credit cards, merchants will prefer this payment method, because it has no credit security problems and merchants can receive 1% of the payment.
4. this card can perfectly support the activation of international network accounts such as PayPal account, EB trading account, game account and various tasks. The account can be any country supported by online accounts such as PayPal, international EB and online games. When you enter the step of filling in 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 that activated by the general entity international credit card.
What does a virtual card mean?
A virtual card is an account without a physical card, such as a debit card or a virtual credit card launched by a bank. A virtual credit card means that users can only get one card when they apply, which usually needs to be tied to mobile banking or a third-party platform.
Virtual credit cards and physical credit cards have the same function. Users will enjoy a certain interest-free period after using them, and then they can repay the arrears within the specified time. It is worth mentioning that virtual credit cards also support cash withdrawal, which needs to be used in personal debit cards.
when a virtual credit card cannot repay on time after use, it will generate penalty interest, and the longer it takes, the more penalty interest it will be. However, the virtual credit card also supports users to use installment repayment or minimum repayment amount, which can reduce the monthly repayment amount and will not be overdue. After all, it will be uploaded to the credit information center after it is overdue.
There will be a limit on the amount of three types of debit card accounts, and the balance cannot exceed that of 1 yuan. The daily limit for consumption and payment is 5, yuan, and the annual cumulative limit cannot exceed 1, yuan. It is worth mentioning that in addition to applying for three types of debit cards in banks, there are also one or two types of debit card accounts, which can be applied according to their actual situation.
what is a virtual credit card? How to apply for a virtual credit card?
what is a virtual credit card?
VIRTUALCREDITCARD, also known as Virtual Credit Card, is a service provided by some institutions with financial background, aiming at serving people who do not have their own credit cards but need them. Virtual credit cards generally only have Visa (credit card with the beginning of 4) and MasterCard (credit card with the beginning of 5). In 21, Bank of America and Citibank provided such security services widely.
There is also a "virtual credit card" model that appears on the third-party payment platform, which is called "credit payment", the most typical Alipay. They give credit to users according to their transaction data, and the credit line can be used for shopping and payment in Taobao, and the longest interest-free period can be 38 days.
how to apply for a virtual credit card?
The specific steps are as follows:
1. Authentication.
the cardholder calls the bank's 24-hour customer service hotline, and can apply for a virtual card after the identity verification is successful.
2. setting information.
confirm the physical card information of the virtual card you want to apply for, and set the effective and invalid dates, single transaction and accumulated transaction amount of the virtual card.
3. record.
the cardholder records the virtual card notified by the customer service staff. For the security of your account, the security verification code and the validity period of the card will be sent to the mobile phone number registered by the cardholder by SMS.
4. Online payment.
after receiving the short message from the bank, the cardholder can make online payment.
however, it is a non-overdraft credit card, so there is no risk of malicious overdraft because the credit card information is submitted to others. When applying for a virtual credit card, you need to pay attention to two points:
1. The account status of the virtual credit card should be consistent with that of the physical card. If the account status of the main card is abnormal and cannot be traded, the virtual card cannot be traded either.
2. After setting the card information, be sure to check your registered mobile phone number with the customer service staff to avoid not receiving the card information message sent by the bank.
This concludes the introduction of what is a virtual card credit card and what is the credit limit of a virtual card. Did you find the information you need?