In the era of global digitalization, an increasing number of domestic users need to subscribe to overseas services such as ChatGPT Plus, OpenAI API, Claude, Midjourney, etc. However, due to payment channel restrictions, traditional domestic bank cards (such as UnionPay cards) often cannot directly complete payments in USD, especially when faced with the binding requirements of international Visa or MasterCard. Fortunately, the emergence of virtual credit cards provides a solution to this problem. Among them, WildCard has become the preferred tool for domestic users to subscribe to overseas services due to its convenient operation and stable payment experience. This article will detail how to apply for a US virtual credit card and focus on recommending the use of WildCard.
WildCard Official Website: https://leixue.com/go/yeka
Why Do You Need a Virtual Credit Card?#
A Virtual Credit Card (VCC) is a payment tool without a physical card, usually a virtual debit card that needs to be recharged before use. It has obvious advantages in cross-border payments:
- Bypass Regional Restrictions: Supports binding to international platforms such as ChatGPT Plus, Google Play, Apple Store, etc.
- Convenient Recharging: No complicated currency exchange or cryptocurrency operations are required.
- Safe and Reliable: An independent card number reduces the risk of main card information leakage, suitable for small and frequent payments.
For domestic users, traditional bank cards (such as UnionPay cards from China Merchants Bank or Industrial and Commercial Bank of China) are limited by RMB transactions or bank risk control, making it difficult to directly subscribe to overseas services. While virtual cards like Dupay, VCard, PokePay, WasabiCard, and LocalCard also support overseas payments, most require recharging through USDT (cryptocurrency), which has a higher operational threshold and varying stability. In contrast, WildCard greatly reduces the difficulty of use with its features of Alipay/WeChat recharging and no KYC certification required.
WildCard: Tailored for Domestic Users#
WildCard is a subscription platform for overseas software services designed specifically for domestic users, providing US virtual credit card services. Its core advantages include:
- Simple Registration: Only phone number verification is required, and account creation can be completed in 1 minute without uploading an ID card.
- Flexible Recharging: Supports Alipay and WeChat payment, with a minimum recharge of $5 per transaction and a clear and transparent 3.5% recharge fee.
- Widely Applicable: Supports dozens of overseas services such as ChatGPT Plus, OpenAI API, Claude, Midjourney, GitHub Copilot, etc.
- Stable and Secure: Optimizes payment channels to avoid risk control interceptions from platforms like OpenAI, with refunds credited to Alipay in real-time.
How to Apply for WildCard?#
The process of applying for WildCard is very straightforward. Here are the detailed steps:
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Visit the Official Website to Register
Open the WildCard official website, click the "Register" button, enter your phone number (mainland users choose +86, Hong Kong users choose +852), obtain the verification code, and submit it.
Tip: Enter the invitation code "LEIXUE" during registration to enjoy a $1 card opening discount! -
Choose a Card Package
After logging in, go to the "My Cards" page and choose a 1-year ($11.99) or 2-year ($16.99) package. Using the invitation code "LEIXUE" can reduce the price by $1. Payment can be made easily via Alipay QR code. -
Recharge and Bind
After opening the card, the balance is $0 and needs to be recharged via Alipay or WeChat. It is recommended to recharge $25 for the first time to cover the $20 subscription fee for ChatGPT Plus and the $5 pre-authorization fee. After recharging, you can obtain the virtual card number for binding to OpenAI or other platforms. -
Use and Manage
WildCard supports a multi-card mode, suitable for users who need to manage multiple accounts. Consumption records and balances can be viewed in real-time, and unused balances can be refunded to Alipay at any time without additional fees.
WildCard Registration Guide#
Step 1: Visit the Official Website#
- Open the WildCard official website
- Click the "Register" button in the upper right corner
Step 2: Create an Account#
- Enter your phone number (+86 or +852)
- Obtain and fill in the verification code
- Use the invitation code "LEIXUE" to enjoy discounts
Step 3: Open Card and Recharge#
- Choose a 1-year ($11.99) or 2-year ($16.99) package
- Pay the card opening fee via Alipay/WeChat
- Recommended recharge amount: $25 (including pre-authorization)
Step 4: Bind Services#
- Obtain the virtual card number and bind it to ChatGPT Plus, OpenAI API, etc.
- Check the balance to ensure it is sufficient to pay the subscription fee
Comparison of WildCard and Other Virtual Cards#
Compared to Dupay, VCard, PokePay, WasabiCard, and LocalCard, WildCard's advantages include:
- No Cryptocurrency Required: Avoids the complicated process of USDT exchange, and Alipay/WeChat recharging is more in line with domestic user habits.
- Low Threshold: No KYC certification required, with a monthly limit of $100 for unverified users and up to $3000 after verification.
- High Stability: Optimized specifically for AI services, reducing the risk of payment failures or account bans.
For example, while Dupay supports various overseas services, it requires USDT recharging, with a minimum recharge of 5 USDT, and cross-chain operations may lead to fund loss. VCard is suitable for cryptocurrency users but is not friendly enough for ordinary users. In contrast, WildCard's direct recharge model and real-time refund mechanism provide a more worry-free user experience.
Notes and Practical Suggestions#
- First Recharge: It is recommended to recharge $25 to avoid insufficient balance due to pre-authorization.
- Network Environment: When binding OpenAI with WildCard, it is recommended to use a stable overseas network or the remote environment provided by WildCard to reduce risk control.
- Refund Cycle: If a subscription service is refunded, the US payment system requires 14-21 business days to process, and WildCard charges a 2% refund fee.
- Multi-Scenario Use: WildCard is not limited to AI services; it also supports Amazon, Adobe, Notion, etc., making it suitable for programmers, content creators, and small to medium enterprises.
Conclusion: Choose WildCard for Seamless Overseas Services#
For domestic users, applying for a US virtual credit card is a key step in subscribing to overseas services. With simple registration, flexible recharging, and stable payments, WildCard is undoubtedly one of the best choices. Whether subscribing to ChatGPT Plus, recharging OpenAI API, or using other overseas platforms, WildCard can provide a safe and convenient payment experience. Now visit the WildCard official website and use the invitation code "LEIXUE" to start your global subscription journey!