Digital bank cards can be applied for in the UnionPay APP and major commercial bank APPs. Taking the UnionPay APP as an example, the steps are as follows:

1. Open the UnionPay APP and click "UnionPay Unbounded Card" on the homepage.

2. After entering the card application page, click "Apply for Card Now".

3. Fill in your name, ID number and other personal information as required.

4. After submitting the application, you can complete the application for the digital bank card.

Operating environment:

Brand model: Huawei nova7

System version: harmonyOS.2

App version: v9.0.9

The so-called "digital credit card" is actually an "electronic credit card", which is a virtual card. After the customer successfully applies, the bank will provide a set of virtual card number, security code, validity period and other information, and the customer will bind it after activation. You can make quick payments through the mobile banking of the card-issuing bank, or by binding UnionPay Cloud QuickPass, as well as third-party payment platforms such as Alipay and WeChat. Digital credit cards can be used for both online and offline consumption. Check the box when making online payments. Digital credit card number, enter the payment password to complete the payment; when making offline purchases, you can scan the QR code to pay through mobile banking, UnionPay QuickPass, Baby Pay, etc.

Banks with digital credit cards include: Bank of Communications MasterCard, China Merchants Bank E-recruitment card, Ping An Bank without card, Industrial Bank E-card, China Guangfa Bank True Love Little White Card, Shanghai Pudong Development Bank E-GO card, China Construction Bank Dragon Card E-payment card and China CITIC Bank online payment card. Digital credit cards cannot be used for payment by swiping, and can only be used for payment by scanning QR codes. In addition, the advantages of digital credit cards are also obvious. After binding to third-party payment software, there is no risk of loss, as long as users take good care of their mobile phones.

Digital credit cards are different from credit cards:

1. Different card forms

A digital credit card is actually a virtual credit card, without a physical card. It consists of a set of virtual card card number, CWV2 code, validity period and other information.

Ordinary credit cards use real cards, and what the bank mails to us is the physical card.

2. Different card swiping methods

Digital creditors need to use other mobile payment tools, such as mobile Alipay, WeChat, UnionPay, JD.com, etc. The physical card can be bound to consumption or can be swiped offline for consumption.

3. Different repayment methods

Digital credit cards can only be repaid online, such as transfer repayment through Alipay, WeChat, mobile banking, etc.

In addition to online transfer and repayment, physical cards can also be inserted into ATM machines to deposit money and repay.