No physical card was received. But what about virtual credit cards?

It is normal not to receive the physical card, but the virtual credit card has opened the SMS. It doesn't matter. Different card types have different scoring criteria for bidding conditions, and it is quite normal to run a card, except that there is no physical card, just like ordinary credit cards.

1. In fact, it is normal for a credit card to have no 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 expiration dates.

2. Compared with physical cards, this kind of credit card has the advantages of fast card approval. After the online application is approved, it can be activated in the bank face-to-face on the same day, and the card can be used at the earliest on the same day.

First, the function of the virtual card credit card:

1. In the past, it usually took two or three weeks to apply for a bank entity credit card, but online application for a virtual credit card can be used.

2. Functionally, virtual credit cards are similar to physical credit cards. In addition to the fact that physical credit cards cannot be swiped on POS machines, virtual credit cards can also be used for online and offline payment, such as binding third-party payment channels such as Alipay or WeChat for online payment, or binding mobile banking for offline merchant code scanning payment and China UnionPay Express. At the same time, virtual credit cards can also apply for cash installment.

3. Virtual credit cards also have some unique risk prevention measures. If some banks introduce the anti-theft function of transaction switches, cardholders can set transaction switches through mobile banking or online banking, which can be turned on as needed and turned off independently when not in use. In addition, the virtual credit cards of many banks can also independently set the limit of a single transaction and the reminder function.

Second, how to use a credit card without a physical card: Like a physical card, you can swipe your card and withdraw cash, but the use method will be different.

1. Credit cards without physical cards cannot be directly swiped, and can only be used with the help of smart devices and third-party payment platforms. You can download Alipay, WeChat, etc. And the China UnionPay Express APP on the smart phone 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 or flash payment.

2. Credit cards without physical cards are also cash advance services for credit cards. After successful processing, the bank will transfer the money to the provided savings card; Or withdraw money from ATMs at some bank outlets without a card and withdraw cash within the credit card withdrawal limit.

In short, a credit card without a physical card will not affect everyone's use of the card, and there is no need to worry about the loss of the card. In addition, the bank provides relevant security measures for this credit card to ensure the safety of the funds in the card, and everyone can use the card with confidence.

Operating environment: Alipay 12. 10.5 Wechat 8.0 15.