How to Get a Virtual Credit Card with Bad Credit or No Credit
How to Get a Virtual Credit Card with Bad Credit or No Credit
A history of bad credit may make getting a traditional credit card easier. However, there are still options available to you. One such option is a virtual credit card.
What is a Virtual Credit Card?
A virtual credit card offers a secure and convenient way to shop online and is a digital payment method. It may work like a traditional credit card but not a physical one.
Virtual credit cards have limited liability, allow controlled spending, and protect privacy. They enhance security, simplify online shopping, improve control and budgeting, and facilitate account management.
Can You Get a Virtual Credit Card with Bad Credit?
You can still obtain a virtual credit card even with bad credit. Some issuers offer same-day approval decisions for secured and unsecured credit cards for poor credit scores. However, you may need to wait to receive the card in the mail before purchasing products and services online. If a physical card is required; then request expedited shipping or a temporary number to make immediate card-not-present (CNP) transactions.
How to Use a Virtual Credit Card
Using a virtual credit card is easy. Once you have applied for and received your virtual card, the virtual card can be linked to your main card or bank account. When making an online purchase, enter the virtual card details. Using a virtual card will ensure that your primary card or banking information remains secure. You can monitor your transactions through your account dashboard or mobile app.
Benefits of Using a Virtual Credit Card
There are several benefits of using a virtual credit card:
- Enhanced Security: Since virtual credit cards are temporary numbers, they are less susceptible to fraud and identity theft than traditional credit cards.
- Simplified Online Shopping: Virtual credit cards make online shopping more convenient by eliminating the need to enter your primary card details every time you make a purchase.
- Improved Control and Budgeting: Since virtual credit cards have limited liability and allow controlled spending, they can help you stay within your budget and avoid overspending.
- Facilitated Account Management: Virtual credit cards make it easy to manage your account by providing real-time transaction alerts and detailed transaction histories.
Virtual Credit Cards
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Citi Virtual Account Numbers: This service generates a temporary credit card number that can be used for online purchases. Enter your information for approval Citi Card -
Capital One Eno: This service creates virtual credit card numbers that can be used for online transactions. Get started today. 
Privacy.com: This service generates virtual credit card numbers that can be used for online purchases. It is available to US residents and can be accessed through Privacy.com website or mobile app.
Secured Credit Cards
OpenSky® Secured Visa® Card: This card does not require a credit check and can help build credit with responsible use. It requires a refundable security deposit and reports to the three major credit bureaus. You can apply for this card on the OpenSky website.
Discover it® Secured Credit Card: This card requires a minimum-security deposit of $200 and reports to all three major credit bureaus. You can apply for this card on the Discover website .
Capital One® Secured Mastercard®: This card requires a minimum-security deposit of $49, $99, or $200, depending on your creditworthiness. It reports to all three major credit bureaus. You can apply for this card on the Capital One website
Conclusion
If you have bad credit and need the security and convenience of a credit card for online purchases, consider applying for a virtual credit card. While some issuers may require additional documentation or may not offer expedited shipping or temporary numbers, you still have options. You can enjoy enhanced security, simplified online shopping, improved control and budgeting, and facilitated account management using a virtual card.