1. Open China UnionPay Express APP and click "UnionPay Unbounded Card" on the homepage.
2. After entering the card handling page, click "Handle the card now".
3. Fill in personal information such as name and ID number as required.
4. After submitting the application, you can complete the application for digital bank card.
Operating environment:
Brand model: Huawei nova7
System version: harmonyOS.2
Application version: v9.0.9
The so-called "digital credit card" is actually an "electronic credit card", which is a virtual card. After the customer successfully applies, the bank will provide a set of virtual card number, security code, expiration date and other information. After the customer is activated, it will be bound to the issuing bank's mobile banking, or the third-party payment platforms such as UnionPay, China UnionPay Express, Alipay and WeChat, so that the payment can be made quickly. There is no problem with online and offline consumption of digital credit cards. When paying online, check the digital credit card number and enter it. When spending offline, you can pay through mobile banking, UnionPay China UnionPay Express and Baby Pay scan code.
Banks with digital credit cards include: MasterCard of Bank of Communications, E-Card of China Merchants Bank, No Card of Ping An Bank, E-Card of Industrial Bank, Zhenqing Xiaobai Card of Guangfa Bank, E-GO Card of Shanghai Pudong Development Bank, E-Pay Card of China Construction Bank and E-Pay Card of China CITIC Bank. Digital credit card can't pay by credit card, only by scanning code. In addition, the advantages of digital credit cards are also obvious. After binding the third-party payment software, there is no risk of loss, as long as the user takes good care of his mobile phone.
Digital credit cards are different from credit cards:
1. The card format is different.
Digital credit card is actually a virtual credit card without a physical card. It consists of a set of virtual card numbers, CWV2 codes, expiration dates and other information.
Ordinary credit cards are real cards, and the bank sends us physical cards.
2. Different credit card forms
Digital creditors need other mobile payment tools, such as Alipay, WeChat, China UnionPay Express and JD.COM. The physical card can be bound for consumption or swiped online.
3. Different repayment methods
Digital credit cards can only be repaid online, such as through Alipay, WeChat and mobile banking.
In addition to online transfer repayment, physical cards can also be inserted into ATM machines to save money for repayment.