Most people in our fast evolving society have one or more credit cards in their possession. With more and more people turning to shopping online, having access to a credit card is more important than it used to be.
Important Information
The VCARD Virtual Visa Card is no longer available for new applications as this credit card is no longer available to new customers. The credit card cannot be applied for, however, the information on this page has been kept for the benefit of the existing customers and for those who are interested.
If you would like to compare the current range of Prepaid credit cards: click here.
Not everyone is in a position to be granted a credit card by lenders, either due to a bad or non-existent credit history, or due to financial commitments elsewhere. Others simply don't like using credit cards online because of possible risks. If these people want to buy concert tickets, use online auctions sites, or make any other type of online purchase then what do they do?
In most cases the two options are either to miss out, or to ask a friend or relative to borrow their credit card. Now the creation of the VCARD Virtual Visa Prepaid Card gives them a much more attractive, and viable way to have a credit card but without actually having the credit or debt.
VCARD Virtual Visa Card
Yes, we really have come into a technological age where there is such a thing as a virtual credit card! So what is this product, how does it work, and who will benefit the most from it?
The VCARD Virtual Visa Card is simply a disposable prepaid credit card number, specifically designed for use in the online marketplace. The VCARD is essentially just a set of a 16-digit card number, an expiry date, and a 3-digit CCV number. You don't actually receive a physical plastic card, instead you are given all of your card's vital details that you need to make an online payment.
The VCARD is a disposable prepaid credit card, so once you have spent all of your funds you can dispose of the card details and then simply purchase another VCARD when you want to purchase something else online. You are given a new set of "card details"￾ and you are then free to start shopping online again.
How Do You Use A Virtual Card Online?
If you go to any online retailer, when you have chosen your items and headed to the website's checkout, you will be asked for your credit card number. Obviously because you are shopping via the Internet vs being at the store in person, there is no way to swipe a credit card. Therefore you simply will be asked to input your 16-digit VCARD number, expiry date, and the security CCV number - basically all the details that you will receive with your VCARD Virtual Visa voucher.
The Benefits
There are a number of benefits to using a virtual credit card like the VCARD Virtual Visa Card. Let's have a look at some of them now.
- Credit history unimportant. As this is a prepaid credit card even those who have a poor credit history can apply. It has also been said that using a card such as this can actually help repair your credit history to a degree, by demonstrating that you are running an organised account.
- You do not need a bank account. You prepay the amount you want to have on your VCARD at the time you purchase it. You don't link it to your bank account, so having a credible bank account is not important in order to get one.
- No interest. This is not a credit product. There is no interest to pay which means you are in no danger of running up any credit card debts, or getting yourself into any financial difficulty.
- No Fees. VCARD has no monthly or ongoing fees. Once you buy your VCARD you can spend 100% of the value loaded onto it.
- Quick and easy process. You will not have to worry about filling out any long and intrusive credit application forms.
- Loss limitation. If you only ever keep a minimal amount of "credit"￾ on the card, then if you happen to have your details stolen, the amount the thief can take from you is limited.
- No credit enquiries. The more credit enquiries that appear on your credit file, the worse the effect on your future credit applications. This card needs no credit check meaning your credit history will not be negatively affected.
- Accepted worldwide. With VCARD you can shop anywhere online that accepts payment by Visa. You can use it for everything from Paypal and online stores to gaming sites and gaming networks.
Where Are They Sold?
Unfortunately VCards are no longer going to be sold in stores or online. You can compare other Prepaid card options here.
Great First Card
A great deal of credit card debt is run up by younger people, or people who are using a credit card for the first time. If you want all the benefits of being able to shop on the Internet, but do not want the worry of interest or debt then this could be a great way to start.
It gives you the practice of running a credit account without the associated problems. In fact it can even benefit you as you begin building your financial reputation.
Being a Visa card you are able to use the VCARD Virtual Visa card anywhere online that accepts Visa payments, regardless of what country the online retailer is stationed.
Is A Prepaid Credit Card A Good Idea?
Prepaid credit cards have always been a great idea, especially with more people than ever struggling to obtain any kind of credit. This card gives you all the functionality of a credit card, but without any of the hassle.
With no credit checks, and no bank account required, this card is perfect for the financially experienced and inexperienced alike. In fact, it is actually a concept that would be quite useful for parents, who could use this to educate their children about the basic running of credit products.
Whilst there are a number of prepaid credit card options available, one that is designed specifically for use online is new and innovative, and is a concept that we can see catching on
Compare and learn more about Prepaid Credit Cards
Can the VCard be used other places besides online shopping and online payments. IE: Grocery Stores, Restaurants ETC.
Hi Deborah,
Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.
The VCARD Virtual Visa Card is simply a disposable prepaid credit card number, specifically designed for use in the online marketplace. But its no longer available for new applications as this credit card is no longer available to new customers. The credit card cannot be applied for, however, the information on this page has been kept for the benefit of the existing customers and for those who are interested. If you would like to compare the current range of Prepaid credit cards: click here.
I hope this helps.
Cheers,
Danielle
Is there a virtual credit card you can load online and not have to wait for a real card? i am not able to get to a shop to buy a card.
Hi Mark,
Thanks for your question.
Unfortunately, the virtual credit card is actually no longer available and offered to new customers. You might like to reconsider getting a prepaid card where you can also use for online shopping and overseas travels.
Hope that would help.
Cheers,
May
I have a platinum express card vcard. I live in the US. any info on this card would help
I live in the US how can I activate and check my balance?
Hi Knz,
Thanks for your question.
You can activate your VCARD by visiting the Virtual Visa Card website and clicking on ‘activate’. This can be completed online.
I hope this has helped.
Thanks,
Elizabeth
Hi Craig, thanks for your inquiry!
Please refer to the product disclosure statement (PDF) I have sent to your email.
Cheers,
Jonathan
My husband was given a Platinum Plus Money Card, worth $100, by his employer for years of service. We don’t know how to activate it. Please advise! It says 2014 on it, but it hasn’t been activated yet.
Please email me with a link to your customer service or give me a phone number that is complete. I, too, tried the number 1800-204-968, but an automated voice comes on and says that the number is incomplete.
How can I check the balance on a Platinum Plus Money Card?
Hi David, thanks for your inquiry!
The balance for a VCARD Virtual visa card can be checked by logging into the virtual vcard website. Please refer to the link I have sent to your email.
Cheers,
Jonathan
Hi Platinum Plus cardholder,
Thanks for your question!
You have to activate the card on the website for it to work. In terms of contacting the 24hour Customer Assistance line for any inquiries, please see the FAQ section on this page. I’ve also emailed you the link to their website.
I hope this will help.
Cheers,
Jonathan
The “800” phone number you are posting, 1800-204-968 is missing a number. I need the complete number or the website address to check the balance on my “Platinum Plus Money Card Vcard”. Thank You.
Hi Fred,
Thanks for your question.
That’s the phone number listed on the contact page of the VCard website. If you’re calling from outside of Australia, you may need this number: +1 866 281 3947. I’ve also emailed you the link to their website.
I hope this will help.
Thanks,
Elizabeth
I have a V Card but cannot register or log in due to not having a valid expiration date. There is only a year and no month on it. Please provide me with a customer service number so I can figure out how to use this or register it or even log in to use it. Thanks you
Hi Sharon,
Thanks for your question.
You can contact the customer service team on 1800 204 968.
I hope this has helped.
Thanks,
Elizabeth
I need to find out the amount on a Platinum Plus Money Card Vcard – There is no information on the back? Also, where can I use this card>
Hi Diana,
Thanks for your question.
You can find out your available balance by logging into your online account or by calling 1800 204 968. You can use your VCARD anywhere prepaid Visas are accepted online, over the phone or through mail order catalogues.
I hope this has helped.
Thanks,
Elizabeth
I need to find out the amount on a Platinum Plus Money Card Vcard – It is not on the back?
I was issued a platinum plus graphite v card but it isn’t working. There was no phone number on the back to call for information. Do you have a solution
Also there was no ccv number on back
Hi William,
Thanks for your question.
You have to activate the card on the website for it to work. If you’re still having problems, I’ve emailed you a link to a page with contact information for the provider.
Hope this has helped.
Thanks,
Elizabeth
Hi Missy,
Thanks for your question.
You can find out the amount of money on your VCARD by logging onto your account on the VCARD website.
I hope this has helped.
Thanks,
Elizabeth
can i purchase vcard using my paypal
Hi Damien,
Thanks for your question.
Unfortunately you can only pay for your VCARD online via BPAY®, cheque, money order or when you purchase a VCARD in-store via e-pay.
Cheers,
Shirley
My husband passed away and had in his possession a Platinum Plus money card Vcard. What do I need to do to see what amount of money is still in the account, and as his sole beneficiary, claim it?
Thank you
Hi Mrs. Robert,
Thanks for your question and we’re sorry to hear about your loss.
Please contact the customer service team at VCard, they will be able to sort this out for you.
I’ve emailed you their “contact us” page for your reference.
Cheers,
Shirley