There is no physical card for the Commercial Bank's digital credit card. You need to download the ICBC mobile APP or bind it to a third-party payment APP for use. For example, ICBC digital credit card can be bound to Alipay, and ICBC digital credit card can be selected for payment.
The so-called "digital credit card", which is actually an "electronic credit card", is a virtual card. After the customer successfully applies, the bank will provide a set of virtual card number, security code, expiration date and other information. After the customer activates, it will be bound to the issuing bank's mobile banking, or to UnionPay China Unionpay Quick Pass, as well as third-party payment platforms such as Alipay and WeChat, so that quick payment can be made.
Online and offline consumption of digital credit card is no problem. When online payment is made, check the number of digital credit card and enter the payment password to complete the payment. When spending offline, you can pay by scanning code through mobile banking and UnionPay China Unionpay Quick Pass.
every bank provides digital credit cards, and some cards are dual-card, with both virtual card numbers and physical cards.
Main features of credit card:
1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;
2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;
3. Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and stimulate social demand.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.