How to spend money with a virtual card?
How to spend money with a virtual card of Industrial Bank
Approved cardholders can just present the virtual card information before receiving the physical card. Make online payment.
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 and iOffer activation card, etc., is 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.
How to use virtual card?
Virtual card is a virtual number generated after you complete a simple online registration. It is specially used for online payment. This way every time you pay, you may just enter this and your password instead of your bank account number or password.
CVV2 code, on the back of your bank card. Next to the magnetic card strip, there is a small three-digit number, which is the CVV2 code.
How to spend money with the Industrial Bank virtual card?
It can help you pay cash out
How to spend money on the China Construction Bank online virtual credit card at the POS machine?
The Dragon Card E-payment card is a virtual card and does not have a physical card. When used offline at POS, it must be combined with an NFC mobile phone for Cloud Quick Pass (such as binding APPLEPAY, SAMSUNGPAY, and HEC Dragon Card "Suixinyou" APP). In other words, if your mobile phone does not have NFC function, you can only pay online and cannot use it offline. Moreover, the E-payment card can be used to set transaction switches and transaction limits on mobile banking or online banking, making it safer to use.
Can I make purchases with the Industrial Bank virtual card?
This virtual card can only be used for online purchases and cannot be swiped. It will take about a month to receive the official card and the virtual card will become invalid. .
Industrial e-card can be used without a physical card and can only be used as a virtual card on the Bank’s online personal banking and mobile banking. It can also be equipped with a physical card and used on all the Bank’s channels.
The ways to apply for the Industrial e-Card physical card are as follows:
1. Log in to personal online banking, click the "Physical Card Management" menu in the "Industrial e-Card" channel, and apply for an Industrial e-Card physical card.
2． With the Industrial e-card and your identity document, go to any of our branches to apply for the physical Industrial e-card
How to use the virtual card
It can help you pay cash
I don’t know how to use the virtual card with China Construction Bank Dragon Card e-payment card
This is a virtual card, no physical card. After passing the review, the bank will send you a text message prompt to obtain other card information and call the customer service hotline to set a consumption withdrawal password. When paying online, just like your other credit cards, you can pay by entering the card information.
If you want to use it at the POS machine of a physical merchant, you must combine it with mobile payment tools such as HCE Dragon Card Cloud Quick Pass, Dragon Card ApplePay, SamsungPay, etc., and make payment through Cloud Quick Pass.
How to apply for a virtual credit card
A card that can be applied for with your ID card
1. China Construction Bank Dragon Card Virtual Card
Application conditions ：
1. Aged 18 to 70 years old
2. Bring your ID card to the CCB window to open an account and apply for a Dragon Card bank card
3. Apply for a dynamic password at the same time Or U-Shield
4. Fill in the additional application form for Dragon Card Virtual Card
ps. Directly inform the bank staff that you want to apply for the Dragon Card Virtual Card (USD Card), and ask the bank staff to assist in the application
2. Industrial and Commercial Bank of China - Peony Sports Card - Power Series
Application conditions:
1. Be 18 years or older
2. Hold an ID card Go to the ICBC window to open an account
ps. Directly inform the bank staff that you want to apply for the Peony Sports Card-Power Series, and ask the bank staff to assist in the process
The team now provides another trick for mainland partners to join GDI Method
Require our customers to go to the bank to apply for a bank card and open online banking
After applying for a U-shield of 38 yuan, enter online banking and set up the U-shield on your own computer
The bank has given you the process. We don’t need to do it. We only need to do how to set up the virtual card.
That is to say, we only need to ask the customer area bank to apply for the card and open the network. Banks and u-shield
Can the Industrial Virtual Card be used for purchases at card swiping machines?
Remove game restrictions and install the extremely fast version of the throat-sealing virtual machine with one click. Download address:
pan.baidu/s/1i3mxEfj
Can I withdraw cash from Industrial Virtual Credit Card
After applying for an Industrial Bank credit card online, the bank will send a virtual credit card SMS notification, requiring the applicant to go to the local branch branch to activate it before using it. Many cardholders don’t know much about the purpose of this virtual credit card and don’t know if they can use it to withdraw cash. Let’s introduce to you the matters related to the virtual credit card withdrawal of Industrial Bank.
1. Can I withdraw cash with the Industrial Bank virtual credit card?
Industrial Virtual Credit Card is composed of a string of 16 digits. After successful activation, the bank will send a text message with a CVV2 code to the mobile phone you reserved when applying for the card, because virtual credit cards do not have physical cards. , so it can only be used for online and offline payment settlement.
Because virtual credit cards can only set query passwords, but cannot set transaction passwords, they do not have the cash withdrawal function of credit cards. For this reason, it is impossible to use virtual credit cards to withdraw cash.
However, generally after the Industrial Bank virtual credit card is successfully activated at the counter, the Industrial Card Center will mail the physical card by registered mail to the recipient address filled in by the applicant 2 working days after activation. Go, after getting the physical card, you can also withdraw cash.
2. How to borrow cash in advance with Industrial Bank Credit Card?
After getting the physical card, the cardholder needs to use the reserved mobile phone to call the 24-hour customer service hotline on the back of the credit card, activate the physical card, and set the transaction password before withdrawing cash. After the physical card is activated, the virtual credit card becomes invalid. You can just use the physical card for transactions with confidence.
There are many ways to withdraw money from Industrial Bank credit cards, including but not limited to ATM cash advance, bank counter cash advance, online banking cash advance, telephone cash advance, and mobile banking cash advance. You can Choose one of these ways to withdraw cash.
There is an existing cash withdrawal limit for Industrial Credit Card, and cash withdrawals cannot enjoy the interest-free period. In addition to charging interest at a daily interest rate of 0.5%, a cash withdrawal handling fee must be paid. The details are as follows:
1. Cash withdrawal limit: The initial cash advance limit of Industrial Credit Card is generally 50% of the credit limit. For specific quotas, please call the 24-hour customer service hotline 95561.
2. Cash withdrawal handling fee: Cash withdrawal by Industrial Credit Card, regardless of the same city or different place, is charged based on 2% of the cash withdrawal amount, with a minimum of RMB20 yuan/transaction or USD2 yuan/transaction.
How to use Industrial Virtual Credit Card at the most cost-effective way
Industrial Virtual Credit Card does not have a physical card, so its usage is different from the physical card. Generally, it can only be used for online consumption. Despite this, we still need to master certain skills when using this card to make purchases, so that we can achieve the most cost-effective way of swiping the card. Let’s learn about it together.
Using the Industrial Virtual Card for consumption is nothing more than using it for online shopping, or binding the card on WeChat or Alipay to pay at some offline stores. As for the most cost-effective way to use it, you can do this:
1. Use Industrial Bank wherever there are discounts. Industrial Bank has launched many preferential activities, many of which are online card swiping activities. For example, on December 31, 2016, using Industrial Bank’s virtual credit card to bind Order Alipay for quick payment, and shop on Taobao and Tmall to get an instant discount of 10 yuan on your first order of 88 yuan or more, etc. You can save a lot more by following the discounts than by swiping without a plan.
2. The interest-free period can be delayed as long as possible, taking advantage of the bank. The longest interest-free period for Industrial Bank credit cards is 50 days, and the shortest is 30 days. Naturally, the most cost-effective way to spend money is to grasp the time to swipe the card.
Usually, the interest-free period of a credit card is affected by three factors, one is the card payment date, the other is the billing date, and the other is the final repayment date.
If you swipe your card on the day after the bill date, it is the most cost-effective, because you can enjoy the longest 50-day interest-free period, while if you swipe your card on the bill date, you can only enjoy 20 days of interest-free period. , seeing this, everyone understands.
For example
Suppose Xiaoqi’s Industrial Virtual Card bill date is the 1st of each month, the repayment date is the 20th of each month, and she consumes on December 1st, then If the bill is issued on January 1st and the payment is made before the end of January 20th, you can enjoy the interest-free period of up to 50 days.
In addition, one thing to note is that after using a virtual credit card to overdraft consumption, you must repay it before the final repayment date. Otherwise, if it is overdue, the bank will not only charge overdraft interest, but also late payment fees. Seriously It will also cause bad credit and cause a lot of inconvenience when applying for loans in the future.
Finally, I would like to remind everyone that although the Industrial Virtual Credit Card can be used for online shopping, you should still exercise restraint when using it. After all, the overdraft money will have to be paid back sooner or later. For shoppers, the most cost-effective way is not to use cards.
Can the Industrial Credit Card be paid via WeChat?
In addition to not being able to withdraw cash, the Industrial Virtual Credit Card can be paid online just like the physical card, so as long as you bind it on WeChat Industrial virtual credit card can still be used for payment. Let’s teach you how to bind a virtual credit card on WeChat and how to use virtual credit cards for transactions. Let’s take a look.
1. How to bind the Industrial Virtual Credit Card to WeChat
The method of binding the Industrial Virtual Credit Card to WeChat is actually the same as the physical card. The specific card binding method is as follows:
1. Open WeChat-"Me"-"My Wallet";
2. Click "Bank Card"-"Add Bank Card";
3. Enter Your payment password to verify your identity;
4. In the "Add Bank Card" interface, enter "cardholder" and "";
5. Fill in the bank card information, including Enter the validity period of the virtual credit card and the mobile phone number reserved by the bank, and click Next.
6. Enter the verification code to verify the mobile phone number, and then you can bind the virtual card on WeChat.
2. How to pay with Industrial Virtual Credit Card via WeChat
1. You can select the product in the WeChat store and click "Pay Now"
2. Next Enter the consignee information, contact address, and click "Checkout".
3. On the settlement page, select the payment method bound to your Industrial Virtual Card. After completion, confirm the order information.
4. After submitting the order, enter your payment password to complete the payment.
Summary: Industrial virtual cards are generally valid for only one month, so after receiving the physical card, you must unbind the virtual credit card and bind the physical card before you can use it within the validity period.
How to use Industrial Bank’s virtual card?
Although a virtual credit card has no physical entity, it is still a credit card and must be repaid on time. Virtual credit cards can be repaid through online banking, Alipay, or WeChat transfer. Do not overdue the payment, otherwise it will have a negative impact on your personal credit.
In the context of the rapid development of third-party payment, major banks have also begun to take action to seize market resources, and many banks have begun to launch virtual credit cards. Today, when cardless payment has been widely accepted, there is not much obstacle to the acceptance of virtual credit cards. How to use Industrial Bank virtual credit card to make purchases.
Many friends know that after applying for an Industrial Bank credit card and passing the review, the bank will send a set of virtual credit cards and a three-digit security code so that you can use the virtual card for consumption before receiving the physical card.
However, because the virtual card does not have a physical card, you can only use the card to shop online. Of course, you can also bind a credit card to some third-party payment platforms and make purchases in some physical stores. The specific consumption methods are as follows :
1. Online shopping: For those who like online shopping, just select the goods you want to buy on Taobao, JD.com and other shopping malls, select the payment method as credit card when paying, enter the virtual credit card, After entering the security code and mobile phone verification code, you can swipe your card for consumption
2. Offline shopping: If you want to pay with a virtual card in an offline store, you must bind the virtual card to Alipay, and then activate quick payment. When checking out, scan the store's Alipay QR code and pay with a credit card.
Extended information:
It should be reminded that when using a virtual card to swipe for consumption, you must pay attention to card security. When shopping online, you must understand the online merchants with whom you are dealing. , choose a safe website for payment, carefully choose the transaction seller and merchant, do not disclose your credit, validity period, password and other information to fictitious sellers, do not log in to the payment platform induced by the seller, and beware of fake payment websites.
Let me tell you the most cost-effective way to swipe a virtual card for consumption, that is to swipe the card on the billing day, because the card consumption on the same day will generally be credited to the account the next day, and then the bill will be issued next month. Enjoy the longest interest-free period.