What you need to know about the virtual credit card
When you buy on the Internet it always causes a little discomfort, because it is uncertain whether the seller is trustworthy or whether your bank details will not end up being at risk of cloning fraud.
Meanwhile, the practicality of online shopping, like so many other benefits, cannot simply be ignored.
It is for this reason that the virtual credit card emerged as a pertinent solution for an increasingly urgent question in Brazilian life.
Nesse article, you will learn what is a virtual card, quais the banks that are available and as requested.
Virtual credit card: What is it?
This card was developed only for purchases on digital platforms, however, it is important that the customer has a physical credit card to request a virtual one, as purchases will be sent to your order.
The virtual card contains a temporary identification and security code number. It has a time limit to be used and also a certain number of purchases that can be made with it. The time limit and number of purchases will depend on the bank in particular.
What are the advantages of a virtual credit card?
As explained in the introduction, there are some advantages that the virtual credit card is available. Here are some lists:
- After completing the purchase, both the number and the security code are turned off, avoiding the risk of cloning.
- The customer can choose the limit of the cart in accordance with the purchase they will make.
- There is no maintenance tax.
Meanwhile, several banks are asking customers not to use this service to make purchases that require verification of bank data, such as, for example, tickets for shows.
Banks that offer this service
Currently several banks are offering the possibility of the client to create a virtual card of credit, precisely with the growth of internet use and the list only tends to increase:
- Nubank
- Santander
- Caixa
- Banco do Brasil
- Bradesco
- Original Bank
- Itaú
If you are a customer of one of these banks, you will therefore have no problems purchasing these products.
In the topic below you will see in more detail how the two virtual credit cards belonging to the listed banks operate.
Virtual credit cards.
Itaú Virtual Card
The virtual card of Itaú has a number of practicalities, after requesting the bank application it is possible to benefit from free (without needing to pay additional costs) and security. The limit is the same for both physical and virtual cards.
To use it, you will need to enter your card and validate the token.
No Banco Itaú, or virtual credit card, of international scope, has a validity of 48 hours and can only be used for a single purchase.
Caixa MasterCard virtual card
Nesse cartão is possible to establish the limit, respecting the limit already existing in the card of the holder. It is for exclusive use for internet transactions, and can be used to pay for menial services.
For greater flexibility, the user can choose how long the virtual card will be active and what its limit will be.
How to apply?
It is possible to request this service in some ways, however it is important that you are aware that to use it it is necessary to have internet access in some way.
- Internet Baking
- Smartphone App
For example, if the virtual card of Itaú is not necessary to register your credit card without the itaucard application, go to the virtual card option menu, link the physical card that you want to it and then only generate the virtual card number.
If you do not have the virtual card of the Caixa, it is possible to request it. Internet Banking For those who do not have the option to count on the bank or go to the Caixa site and go to the services option, for non-correntistas.
It's easier to apply for your virtual credit card, right? So there's no chance of using this service!