Longka Lending Bar is a virtual credit card service launched by China Construction Bank. This kind of virtual credit card has the rights and most functions of a physical credit card, and also has a loan function. Users can apply for a loan amount of up to 5,000 when using Longka Loan Bar, but there is no direct connection between this loan amount and the credit card amount, which means that users still enjoy all credit card amounts after using all the loan amounts, and the two amounts are independent of each other.

China Construction Bank's Longka Loan Bar is a virtual credit card. If the Dragon Card Loan Bar is activated, the Dragon Payment will be automatically bound. Users can also manually bind third-party express payments, such as Alipay, WeChat, and China UnionPay Express. , and online and offline payments can be made.

If you want to bind the third-party fast payment platform, you need to know the card number of Longka Loan Bar first. Users can click Credit Card-Credit Card Management-Virtual Card in CCB Mobile Banking, then select the card to query, and click the display card information to see the card number and other information.

Virtual credit card function:

The virtual credit card is bound with the real user's credit card, which provides a variable 16-bit account for Internet transactions and prevents the real credit card information from being leaked between networks.

Some virtual credit card accounts are one-time use, and some can be recharged and continued to be used. Used for people's shopping or trading behavior on the Internet. Because the transaction can't see the real account number, even if the retailer's database is attacked by hackers, the account number can be avoided from being leaked.

For example, when a user makes a payment at the checkout center of the retailer's website, a virtual credit card image will appear, which will ask you whether you plan to pay with a one-time digital payment or automatically enter your payment information.

Of course, not all transactions can use virtual accounts. Only when the cardholder uses the issuing bank system can the one-time account number be linked to the cardholder's real account number and the transaction be valid. Otherwise, you need to enter real credit card information to complete the payment.

There is also a "virtual credit card" model that appears on the third-party payment platform, and the most typical specimen is PAYPAL. Her "virtual credit card" is provided to users who use PayPal payment tools but trade on websites that don't support PayPal to help them shop quickly and effectively.