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Virtual credit cards supposedly, are electronic versions of the plastic credit card. This is a feature offered by some credit card providers to combat credit card theft or fraud.

How does Virtual Credit Cards Work

Virtual credit cards function as valid, temporary credit card replacement. This is ideally used for online shopping or any online transaction for that matter. The concept is to use a valid credit card number, a CVV and expiration date generated from your original credit card. This will have lesser value and purchasing power compared to the original card but will be automatically linked to your credit card account.

With this feature, the real account information are not transmitted in the internet. Instead, only the temporary account details are sent and/or stored in the online retailer’s files.

How to use a Virtual Credit Card

The initial step would be for you to generate a Virtual Credit Card number. This can be done through online services provided by most credit card providers. To be sure if this feature applies to your credit card, you can consult your local bank or their official website for assistance.

Generally, there are two options for you to generate your virtual credit card number. One would be to download the software provided by your credit card company, or doing the number generation online. There are some that will allow provide you with a valid credit card number and a corresponding expiration date. Others will also give you a CVV (Card Verification Value) or allow you to fund your newly created virtual credit with a certain dollar value.

When shopping online, you will then use the generated virtual credit card number instead of your original credit card number. This way, you are protected against possible fraud or theft since what are exposed are the details of your virtual credit card, which are supposed to have limited funds or purchasing power.