The virtual credit card of Shanghai Pudong Development Bank is a personal credit card account, which depends on the existence of a physical card. Free annual fee within the validity period. There are four card organizations, namely UnionPay, MasterCard, VISA and American Express. You can trade online with information such as card number and expiration date, or you can pay with binding functions such as APPLE PAY and China UnionPay Express. Cardholders can customize the use period and quota of virtual cards.

Application conditions: Only physical card customers can apply.

2. China Construction Bank Longka E Payment Card

CCB is an independent virtual credit card dedicated to online consumption, with independent accounts and three card organizations: UnionPay, VISA and MasterCard. It has no specific card level and can turn on or off the trading function at any time. It has the characteristics and rights of "all-network transaction", "all-round guarantee" and "all-currency payment", and is free of annual fee within the validity period of the card.

Application conditions: You can apply without a physical card.

3. Huaxia Electronic Payment Card

Huaxia Bank's first non-physical electronic credit card, with UnionPay version and MasterCard version, is free of annual fee for life, supports WeChat online card processing and real-time transaction, has multi-card number service, and can independently set transaction switch, single transaction limit and single-day cumulative transaction limit.

Application conditions: You can apply without a physical card.

4. Peace without card

Ping An Bank uses the electronic UnionPay single-currency credit card to meet the needs of young people aged 20-35, and the card can be issued as soon as 1 minute. Online and offline consumption can be made by binding UnionPay QR code, UnionPay mobile phone flash payment, or third-party payment such as WeChat and Alipay. The existing card without a card and the personal credit card account under its name share the same amount, billing date and repayment date.

Extended data:

Risks of virtual credit cards:

1. Issuer unknown.

In principle, any non-bank financial institution has no right to issue virtual credit cards. However, some enterprises and commercial banks have jointly launched many virtual credit cards. Although it seems that commercial banks are still issuing virtual credit cards, commercial banks have not played an important role in the process of accepting, reviewing and collecting credit cards.

Even some third-party organizations provide corresponding technical support and background risk control for virtual credit cards, and the loan interest rate is higher than that of ordinary bank credit cards. In this case, the cardholder is likely to be charged some unknown fees.

2. Virtual currency

When cardholders use virtual credit cards, financial institutions advance funds first, but there is a time lag in this advance, which may cause virtual currency problems in the short term. In particular, cardholders use virtual credit cards to shop on third-party payment platforms, which is equivalent to creating a "base currency" for online consumers, and the impact is still relatively large.

3. The process is not clear.

The general bank credit card processing process is: the cardholder applies, the bank approves, comes to the door in person, signs in person, verifies in person, and then issues the card. The virtual credit card is instant application, instant card issuance and instant payment. This card processing process is not clear, and even seems a bit "simple".

Credit card application procedures are too simple, and there is no need for handwritten signature or seal confirmation, which may lead to fraud and unauthorized payment. Strictly speaking, virtual credit cards still have a certain gap in meeting the regulatory standards.

Cancel the virtual credit card:

Although virtual credit card has no physical card, as a credit card, its cancellation method is the same as that of physical card, and it can be cancelled through the counter and telephone. Here is the introduction of telephone cancellation.

If you want to cancel the virtual credit card, it is recommended to call the customer service of the issuing bank, switch to manual service, and apply to the customer service for cancellation of the virtual credit card. Customer service will ask the cardholder to provide a valid ID number when handling the card to verify the cardholder's identity. After confirmation, the cardholder will cancel the credit card.

Virtual credit card cancellation:

1. The cancellation of the virtual credit card must be done by myself, and no one else can. Be sure to know about the card before you cancel it. Some virtual credit cards are independent accounts and some are attached to physical cards, so this needs to be treated differently. Independent accounts can be cancelled directly, but only detailed accounts can be cancelled.

2. No matter whether the card is returned or cancelled, the cancellation of the virtual credit card must have no arrears and no balance, that is, all the arrears in the card must be paid off, and there must be no overpayment;

3. Virtual credit cards, like physical cards, have a transition period of 45 days. During this period, you must ensure that there is no debt and balance, otherwise you cannot cancel successfully.

4. Virtual credit cards are relatively safe. If you just don't want to use the card, there is no need to cancel it. You can turn off the use switch of the virtual card and turn it on when you want to use it, which is more convenient.