What Is A
Virtual Credit Card?
As the name suggests, A
Virtual Credit Card is a virtual credit/debit card that
you can use for online purchases only.
Often referred to as a
Virtual Debit Card, a virtual credit card works the same
way that a prepaid debit card works, in that you have to
load funds onto your card before you can use it.
Loading funds to your
virtual credit card depends on the method provided by
the card issuer. However, some funding methods include
e-gold, Western Union, Money Transfer. Some virtual
credit card providers allow funding through the use of a
"regular" credit card or debit card.
One of the major differences between a Virtual Credit
Card and a prepaid debit is that you do not get a
physical card in the mail, instead, you get the
"card" in an email containing the virtual
credit card number and other details.
This email will usually
also contain the three digit security number that
appears at the back of most credit/debit cards. Often,
when you are shopping online, a merchant may or may not
request this number as a security precaution.
Additionally, in most
cases you will not receive a paper statement in the
mail, instead, you may receive a statement sent to you
by email. Don't you just love the Internet :))
Like credit cards, Virtual
Credit Cards usually have an expiration date of anywhere
from one year to two years depending on the virtual
credit card provider.
Where Can You Use Your
Virtual Credit Card/Virtual Debit Card?
Usually, you can use your Virtual Credit card at any
online merchants that accept credit card payments. You
can also use your virtual credit card to rent a car,
make hotel reservations, or flight reservations.
Obviously, because it is not a plastic card you will not
be able to use your virtual credit card to withdraw cash
at ATM machines, or at Point Of Sale transactions.
As with many of the prepaid debit cards I've mentioned
on this site, Virtual Credit Cards are usually easy to
get. Most that I've seen require no credit check, no
bank account, and no employment verification.
All that is required in most cases is that you pay the
cost of the card and then load the card with whatever
amount you wish on the card.
There is often no ID required to sign-up for many
Virtual Credit Cards. However, you must, of
course, provide a name and address that will be
associated with the card.
There are fees involved
with the use of a Virtual Debit Card as is the case with
a "regular" debit card including the cost of
the card itself and in most cases you will be charged a
loading fee. It is always best, of course, to read
all of the terms of a card before making a purchase.
For people who are hesitant to use their
"regular" credit cards or debit cards online
for security reasons, Virtual Credit Cards offer a good
alternative because you can load small amount of funds
on the card or only the amount you wish to use.
Whether you call it a
Virtual Debit Card, a Prepaid Virtual Credit Card or
Virtual Debit Card, they are handy to have,
convenient to use and often much safer for online
shopping.
Virtual
Visa Card
This Virtual Visa is a
pre-paid, re-loadable Visa that can be used online
anywhere Visa is accepted. This Virtual Visa is for
Internet use only.
There are no finance or
interest charges associated with it.
Spending is limited to the amount of funds loaded onto
your account & is Instantly re-loadable.
You receive your card
number, expiry date and CVV the
same day your payment is cleared.
Some of the features of
this card include:
-
No Refusals
-
No Credit Checks
-
Full Anonymity
-
Available Worldwide
-
Load funds Using Cash
You Can Apply Today:
Need a Visa Card?
No Credit Checks.
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To Common
Credit Repair Questions.
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