I haven’t received the physical card but the virtual credit card has been activated for SMS. This is normal and has no impact. Different card types have different application conditions and scoring standards, so applying for one does not mean that you can apply for it. Otherwise, this is quite normal. The virtual card is used the same as an ordinary credit card except that it has no physical card.

1. In fact, it is normal for a credit card to not have a physical card, because it is a virtual credit card issued by a bank and consists of a set of virtual card numbers, security codes, and validity periods.

2. Compared with physical cards, this type of credit card has the advantage of fast card approval. After the online application is approved, you can go to the bank for an interview and activate the card on the same day. The fastest you can use the card on the same day. Card.

1. Features of virtual credit cards:

1. In the past, it usually took two or three weeks to apply for a physical credit card from a bank, from application, approval to receiving the credit card, but the online application for a virtual credit card can be opened immediately. Ready to use.

2. In terms of functions, virtual credit cards are similar to physical credit cards. Except that they cannot be swiped at POS machines for consumption like physical credit cards, virtual credit cards can also be used for online and offline payments, such as binding Alipay. Or third-party payment channels such as WeChat for online payment, or bind mobile banking for scan code payment and cloud QuickPass at offline merchants. At the same time, virtual credit cards can also apply for cash installments, etc.

3. Virtual credit cards also have some unique risk prevention measures. For example, some banks have launched a transaction switch anti-theft function, and cardholders can set the transaction switch through mobile banking or online banking, and turn it on as needed, and they can turn it off when not in use. In addition, virtual credit cards from many banks can also independently set single transaction limits and reminder functions.

2. How to use a credit card without a physical card: Just like a physical card, you can swipe the card for consumption and withdraw cash, but the method of use will be different.

1. Credit cards without physical cards cannot be used directly for consumption. They need to use smart devices and third-party payment platforms to use them. You can download Alipay, WeChat, etc., and QuickPass APP on a smartphone with NFC function, enter the card number, security code and other information in the card binding center to complete the card binding, and then pay online, scan the code to pay, and QuickPass Either way.

2. For credit cards without physical cards, you can also apply for credit card cash advance services. After successful application, the bank will transfer the money to the provided savings card; or you can make cardless withdrawals at ATM machines at some bank outlets. , withdraw cash within the credit card withdrawal limit.

In short, a credit card without a physical card will not affect your use of the card, and you don’t have to worry about losing the card. In addition, banks provide relevant security measures for this type of credit card to ensure the safety of the funds in the card. You can use the card with confidence.

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