Relevant information shows that on August 3, 2020, KLOC-0, China UnionPay cooperated with commercial banks, payment institutions and cooperative merchants to simultaneously issue digital bank cards at home and abroad. The goal is to realize the whole process of digital card application and fast card collection, promote "no card" and shorten the processing time of bank cards to a few minutes.
It can be said that this scheme is very convenient, but do you know what a digital bank card is? How to handle a digital bank card?
Digital bank card is a virtual card, without a physical card, which can meet the consumption needs of various scenarios such as paying consumption and living expenses. Users only need to log in to China UnionPay Express, the software of major banks and the wallet of mobile phone manufacturers on their mobile phones, and they can apply through the Internet. Users can have their own digital bank cards, which can be used within a few minutes after successful application.
Although this digital card has no entity, it can still realize property transfer, property management and consumption shopping. If the user wants to scan the code, payment is also possible.
Application process, taking "China UnionPay Express" as an example.
1. First, open the software and enter the application page of "UnionPay Unbounded Card". Because it is issued by the bank, the products of 17 bank will be displayed in detail on the page, and their brief introduction is also very detailed. Therefore, users can choose according to their own needs when handling debit cards and credit cards.
2. Enter the card application page, and then click the application card. However, users should understand some bank regulations before handling the card. For example, CCB's digital card can be exempted from paying the annual fee. Other banks still need it. For example, CITIC has to hand it over to 360 yuan once a year, but it can be exempted if it is used six times.
3. Fill in personal information. After selecting the card, you should fill in relevant personal information, such as name, work and telephone number.
4. After completing the application, submit the application online and finally fill in the mobile phone verification code.
So how to use the digital card?
After the user successfully applies, the digital card can have payment functions such as financial management, shopping and consumption. It can be bound with merchants such as JD.COM and Xiaoman, and can be used in various consumption scenarios. After use, users can check the usage of China UnionPay Express Digital Card in real time and manage the transactions of unbounded cards in banks.
Although the digital card is very convenient, but because it has just been launched, many functions are incomparable to the physical card. However, the digital card can continue to be used when the user's mobile phone has no network, which is also a highlight of it, and users who need it can handle it.