To get a Citi Simplicity Card virtual credit card number, log in to the Citi Simplicity Card account and sign up for Citi Virtual Accounts Numbers. Once Citibank generates a virtual card number, you can make online purchases with increased protection against credit card fraud. Citibank will generate a different card number each time you request one.
How to Get a Citi Simplicity Card Virtual Credit Card
Download the Citibank browser extension or launch the web-based version of the virtual card number program. Select the credit card you want to use and click “Generate.”
Accept the 16-digit virtual card number that’s generated for you. Take note of the expiration date and security code that are generated as well.
Make purchases with your Citi Simplicity Card virtual credit card number at eligible online retailers. “Citi Virtual Accounts Numbers works with nearly all online merchants.”
The Citi Simplicity Card virtual credit card information is tied to your credit card but is not the same as your actual card number. This way, hackers who get ahold of the merchant’s records won’t be able to see your real card information. Virtual credit card numbers help prevent fraud by adding an extra layer of protection to your credit card purchases.
In addition to Citi Virtual Accounts Numbers, Citi Simplicity Card cardholders can also get a virtual card number through Click to Pay, which was released by Visa, Mastercard, Discover, and American Express in 2019. The Click to Pay logo looks like a square with two arrows pointing to the right, and you’ll be able to create an account and add your Citi Simplicity Card card if you click on the logo when you check out with participating merchants.
Some of the best instant virtual credit cards are Masterpass by Mastercard and Visa Checkout, as they both support credit cards from any network. In other words, they function just like a virtual card from a credit card issuer, but anyone can sign up.
But a number of major credit card issuers offer the ability to instantly get a virtual credit card, including Capital One, Chase and Wells Fargo. Credit card issuers’ virtual card programs, though, are limited only to their own customers.… read full answer
A virtual credit card is a unique card number, with an expiration date and security code to use when making purchases online (and sometimes in-store). Cardholders can instantly create such a card by using the issuer’s online tool or app.
The virtual card’s details replace the actual card information at checkout, but the purchase still gets charged to the customer’s credit card account. The point of this is that if the merchant’s records are compromised, people who gain access to those records will only have the virtual card details. That information can’t be used anywhere else and the cardholder’s real card information is safe.
So, credit card issuers that offer instant virtual credit cards typically let you create one for each merchant you use, for free. And it’s worthwhile because it adds an extra layer of security to all your transactions.
Where to Get Instant Virtual Credit Cards:
American Express Checkout: Amex provides a unique card number at checkout that can only be used at that merchant. It can only be used at select merchants like Walmart, Staples, Sears and Avis.
Capital One Eno: Lets you create a different virtual card number for each merchant. You can fill this information in instead of your regular card number at any website.
Chase Pay: Gives a virtual card for both online and in-store purchases wherever the Chase Pay logo appears. Places that accept it include Shop Rite, Best Buy, GAP, Walmart and Shell.
Citi Virtual Account Numbers: Available on some Citi cards. Log in to your Citi account to see if you are eligible. It generates unique card information to use at any merchant’s online checkout.
Wells Fargo Wallet: Works for payment at millions of participating merchants online and in-person. It offers a unique number to replace your actual credit card info during payment.
Masterpass: Allows people with cards from any network to shop online with a unique number for each merchant. Participating merchants include Dunkin Donuts, Office Depot and Walgreens.
Visa Checkout: Supports credit cards from any network and provides a unique payment token when checking out online. Participating merchants include Walmart, Staples and Marriott.
In an age of big data breaches and more and more advanced forms of fraud, it’s a good idea to be a step ahead by getting an instant virtual credit card whenever you shop online.
Not all credit card companies are fully embracing virtual card numbers, though. For example, Bank of America had a virtual card number program called Shop Safe but discontinued it in September 2019. Fortunately, there are several virtual wallet services that you can join no matter which bank or credit union issued your credit card.
You cannot get a cash advance through a virtual credit card.
Virtual credit cards are just an option offered with some credit card accounts, adding an extra layer of security against fraud by masking a card’s sensitive information. They can only be used for online, and some over-the-phone purchases.
Since a cash advance requires you to have a physical card, which you either show to a bank teller or insert in an ATM, there’s no way to do one by using virtual card information.… read full answer
A temporary credit card is a “disposable” credit card number, or virtual credit card, that some card issuers offer to existing cardholders as a way to safely shop online. A cardholder can use a temporary credit card number - which also comes with a temporary security code and expiration date - in place of their real credit card information when shopping online to help minimize fraud. The number expires in a period of time determined by the card issuer, so any intercepted information would soon be useless to a thief.… read full answer
A temporary credit card is not a physical card, but some card issuers offer temp credit card services that allow you to use the virtual card in person at specified retailers via a mobile app. Even some of the credit card networks have virtual credit card options. Notably, Mastercard Masterpass and Visa Checkout are open to cardholders from any card network. That said, some services specify limitations on where you can use the temporary credit card, i.e. the temp cards are only accepted by certain merchants.
Currently, Capital One and Citibank are the only card issuers that offer temporary credit cards that can be used anywhere online. With these card issuers, you can simply use your temporary credit card number in place of your real card number when you check out. You can log into your Capital One or Citibank credit card account anytime to get a temp card for online shopping.
All that said, it’s worth noting that you can’t get a virtual credit card without first having a real credit card, so it isn’t an instant credit solution. And it’s also important to keep in mind that temporary credit cards aren’t a guaranteed protection against fraud. They simply make it a bit harder for a thief to gain access to your credit card information. But on that note, all major credit cards give cardholders a $0 fraud liability guarantee, anyway.
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