What Are Virtual Credit Cards?
If you haven't heard about the new virtual credit cards yet you might find this article very interesting. A virtual credit card can be a much safer alternative than a standard credit card especially for online shopping.
A virtual credit card takes away a lot of the risk of personal information and credit card numbers falling into the hands of thieves. They offer you the option of shopping online with disposable credit card numbers that are single-use credit card numbers, which expire within one or two months.
These disposable credit cards offer no value to hackers because you use a different, random card number every time you shop online. A virtual credit card number is only good on the Web site where you made your purchase.
With identity theft and email phising scams on the rise at an alarming level, it's a good way to keep your sensitive information private. Even if a scammer does somehow acquire your virtual credit card number, the disposable credit card number expires quickly so it's not an ideal target for them.
The major credit card companies all offer prepaid virtual credit cards and the amount is limited to how much you apply to the card. If your card is lost or stolen you are protected just like a regular credit card.
MasterCard calls them MasterCard gift cards and Visa calls them virtual Visa gift cards. You can use them anywhere MasterCard and Visa are accepted.
Virtual credit cards do have some limitations and won't work in every situation. You can't pick up theater tickets; confirm airline, hotel or rental car reservations with a virtual credit card. These credit card numbers don't exist off the Web so they don't work for these things.
But the security benefits are well worth it if you are using the disposable credit card numbers for buying products online. If you are looking for safer online shopping consider a virtual credit card.
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