虛擬信用卡：他們的工作方式，優點和缺點以及如何獲得一個

如果您是一個經常在線購物者，您可能以前可能聽說過虛擬信用卡，並且可能對它們的工作方式感到好奇。

If you’re a frequent online shopper, you’ve likely heard of virtual credit cards before and may be curious about how they work. In short, virtual credit cards let you shop for purchases without revealing your actual credit card account number. They can be either temporary or permanent. No surprise: They are intended mostly for online purchases.

如果您是一個經常在線購物者，您可能以前可能聽說過虛擬信用卡，並且可能對它們的工作方式感到好奇。簡而言之，虛擬信用卡可讓您在不透露實際信用卡帳戶號的情況下購買購買。它們可以是臨時的或永久的。毫不奇怪：它們主要用於在線購買。

However, virtual card numbers have some downsides. Keep reading to learn how virtual credit cards work, their pros and cons and how you can get one.

但是，虛擬卡號有一些不利之處。繼續閱讀以了解虛擬信用卡的工作原理，他們的優點和缺點以及如何獲得。

What is a virtual credit card?

什麼是虛擬信用卡？

A virtual credit card number is essentially a credit card number that works for your account but is different from the number printed on your physical credit card.

虛擬信用卡號本質上是一個可用於您帳戶的信用卡號，但與您的物理信用卡上打印的數字不同。

In some cases (like with Capital One’s Eno), this virtual number may be created by a third party on the spot and may be changed each time you make a purchase.

在某些情況下（例如Capital One的ENO），該虛擬數字可能由第三方當場創建，並且每次購買時都可以更改。

Using a virtual credit card can keep your physical credit card information safe when shopping online or over the phone. There are several ways thieves try to steal your personal data, but this short-lived, randomized credit card number — referred to as a “token” — is a way to keep that information safe when making purchases from a distance.

在線購物或通過電話購物時，使用虛擬信用卡可以確保您的物理信用卡信息安全。盜賊試圖通過幾種方式竊取您的個人數據，但是這個短暫的，隨機的信用卡號（稱為“代幣”）是一種在從遠處進行購買時確保該信息安全的一種方法。

Keep in mind: Virtual credit cards are only available with an existing credit card, so you won’t have to worry about an additional hard inquiry on your credit report or credit score requirements.

請記住：虛擬信用卡僅適用於現有信用卡，因此您不必擔心您的信用報告或信用評分要求進行額外的努力詢問。

How do you use a virtual credit card?

您如何使用虛擬信用卡？

Virtual credit card numbers are linked to an existing credit card account and generated at random to prevent your actual bank account information from being shared online. From a merchant’s point of view, these numbers appear as a regular credit card number.

虛擬信用卡號鏈接到現有信用卡帳戶，並隨機生成，以防止您的實際銀行帳戶信息在線共享。從商人的角度來看，這些數字是常規信用卡號。

Depending on the issuer, cardholders may be able to request a virtual card number online through their credit card account. Once a virtual card number is generated, cardholders can access these numbers immediately and request spending caps, among other customizations.

根據發行人，持卡人可以通過其信用卡帳戶在線請求虛擬卡號。一旦生成虛擬卡號，持卡人就可以立即訪問這些數字，並要求支出帽以及其他自定義。

Why should consumers use a virtual card number?

為什麼消費者應該使用虛擬卡號？

In terms of privacy, virtual credit cards minimize fraud risk by adding an extra layer of enhanced protection for consumers and businesses completing transactions online.

在隱私方面，虛擬信用卡通過為在線完成交易的消費者和企業添加額外的增強保護層來最大程度地降低欺詐風險。

For individual consumers, virtual card numbers not only provide more privacy but also protect private banking information and limit data tracking from advertisers.

對於個人消費者，虛擬卡號不僅提供了更多的隱私，還可以保護私人銀行信息並限制廣告商的數據跟踪。

For businesses, virtual credit cards make it easier to manage cash flow while also improving fraud protection, controlling vendor payments and safely extending spending power to employees and contractors.

對於企業而言，虛擬信用卡使管理現金流動變得更容易，同時還可以改善欺詐保護，控制供應商的付款並安全地擴大向員工和承包商的支出權力。

Overall, virtual credit cards are a good option for anyone who shops online and prefers a little bit of extra protection against the possibility of being hacked.

總體而言，對於任何在線購物並更喜歡額外保護的人而不是被黑客入侵的人來說，虛擬信用卡都是一個不錯的選擇。

Are virtual credit cards safe?

虛擬信用卡安全嗎？

In short, yes. Credit card issuers that offer virtual credit cards ensure secure protection by assigning a 16-digit number associated with an existing account. Cardholders can even set a PIN (personal identification number).

簡而言之，是的。提供虛擬信用卡的信用卡發行人通過分配與現有帳戶相關的16位數字來確保安全保護。持卡人甚至可以設置PIN（個人身份證號碼）。

Most virtual credit card numbers are required to comply with PCI DSS (payment card industry data security standards), which ensures safe transactions between virtual card number owners, the credit card issuer and the merchant receiving payment.

大多數虛擬信用卡號都需要遵守PCI DSS（付款卡行業數據安全標準），這確保虛擬卡號所有者，信用卡發行者和商人接收付款之間的安全交易。

Pros and cons of virtual credit cards

虛擬信用卡的優缺點

While virtual credit cards can be convenient to use, there are some downsides to consider. Here are the major pros and cons to expect if you use a digital credit card:

雖然虛擬信用卡可以方便使用，但仍有一些缺點需要考慮。如果您使用數字信用卡，這是您期望的主要利弊：

Pros

優點

Cons

缺點

How do virtual card numbers differ from mobile wallets and payment apps?

虛擬卡號與移動錢包和付款應用程序有何不同？

The most notable difference between virtual credit cards and mobile wallets (like Google Pay and Apple Pay) is where they are accepted. However, both mobile wallets and virtual card numbers are secure, and there isn’t necessarily one that is better than the other. Here are the most notable differences:

虛擬信用卡和移動錢包（例如Google Pay和Apple Pay）之間最明顯的區別是他們被接受的地方。但是，移動錢包和虛擬卡號都是安全的，並且不一定比另一個更好。這是最顯著的區別：

How to get a virtual credit card

如何獲得虛擬信用卡

With most major issuers, virtual card numbers are available for any credit card they offer, provided you take steps to initiate them on your account.

對於大多數主要發行人，只要您採取步驟將其啟動在您的帳戶中，則可以使用虛擬卡號。

So, it’s possible virtual card numbers may already be available for your existing credit cards, as well as for any new cards. Explore your online account or app or contact customer service to see how to get access to a virtual number for your card.

因此，您現有的信用卡以及任何新卡可能已經可以使用虛擬卡號。探索您的在線帳戶或應用程序或聯繫客戶服務，以查看如何訪問卡的虛擬號碼。

Virtual credit cards by issuer

發行人的虛擬信用卡

If you’re considering virtual credit card numbers to help keep your account safe, you should know which card issuers and credit cards offer this option. Consider how the following card issuers use virtual credit card numbers and make them available to customers.

如果您正在考慮使用虛擬信用卡號碼以確保您的帳戶安全，則應知道哪些卡發行人和信用卡提供此選項。考慮以下卡發行人如何使用虛擬信用卡號碼並將其提供給客戶。

The bottom line

底線

Virtual credit cards can hide your real credit card number in order to protect the sensitive details of your account. Depending on your card issuer, your use of virtual card numbers could even be automatic, with no work required on your part.

虛擬信用卡可以隱藏您的真實信用卡號碼，以保護您的帳戶的敏感細節。根據您的卡發行人的不同，您對虛擬卡號的使用甚至可能是自動的，而您的工作不需要工作。

Keep in mind, however, that using a traditional credit card for purchases isn’t inherently risky, and that’s true whether you’re shopping in person or online. This is due to the fact that credit cards tend to offer zero liability for fraud, so you won’t be on the hook for purchases you didn’t make either way.

但是請記住，使用傳統信用卡進行購買並不是固有的風險，無論您是親自購物還是在線購物。這是由於信用卡傾向於對欺詐行為提供零責任，因此您不會掛在購買的障礙中。

Frequently asked questions about virtual credit cards

關於虛擬信用卡的常見問題

Can you get instant approval for a virtual credit card number?

您可以立即批准虛擬信用卡號嗎？