It is necessary.

Credit cards include physical cards and virtual cards, but physical cards are more widely used. Physical credit cards can be used for consumption online and offline. They can be used at any ATM and POSS machine with the UnionPay logo. Online transactions can be conducted through online banking. But the virtual card can only be used for online shopping or transactions.

The main differences between digital credit cards and physical cards are as follows:

1. In terms of the nature of the card, digital credit cards are virtual credit cards, while physical credit cards can get real credit cards. in the card.

2. In terms of use, to use a digital credit card, you must bind the credit card to the mobile banking of the card issuer, or other third-party payment platforms before it can be used, while physical credit cards do not need to be used. People can directly use physical credit cards to make purchases.

3. In terms of repayment methods, digital credit cards are all repaid through online channels. For example, mobile banking is bound to the card issuer, and repayment is made through mobile banking. Physical credit cards can be repaid through mobile banking. In addition to repayment through online channels, repayment operations can also be carried out through offline channels.