In terms of issuance and acquisition, obtaining a Virtual Credit Card is more convenient. Physical credit cards usually require an application to be submitted to a bank or financial institution, followed by a credit check to obtain the card. The bank will then mail the physical card to the applicant. On the other hand, Virtual Credit Cards are issued electronically, and applicants can apply online through third-party platforms to obtain the virtual card number, expiration date, security code, and other information, eliminating the need for waiting for the production and mailing of physical cards.
In terms of security, Virtual Credit Cards offer higher security compared to Physical Credit Cards. Virtual Credit Cards consist of only a random string of numbers without a physical card, reducing the risk of card theft or loss. They can be used on-demand, minimizing the risk of unauthorized usage. In contrast, when using a Physical Credit Card, sellers have access to sensitive information such as billing address, name, credit card number, security code, etc. However, if a Virtual Credit Card is used, they will not be able to access this information, effectively preventing identity and credit card theft.
Changing currency types is easier with Virtual Credit Cards. If you need to engage in cross-border transactions, a Virtual Credit Card is an ideal choice. Suppose you typically make payments online in USD. With a Virtual Credit Card, you can easily convert USD to any other desired currency such as EUR, GBP, HKD, etc., based on your needs.
日本語翻訳：