The popularity of overseas online services and AI products, such as ChatGPT Plus, Claude, and MidJourney subscription services, has become a necessity for many domestic users. Unfortunately, domestic credit cards often face obstacles on these platforms, making overseas virtual credit cards a lifesaver! Today, let's talk about recommended virtual credit cards suitable for domestic users and how to recharge these cards by purchasing USDT, which is simple and practical. The following content will be as conversational as possible, like chatting with a friend, guiding you step by step!
Recommended Overseas Virtual Cards: WildCard, VCard, PokePay, Dupay, WasabiCard
Recommended USDT Purchase: OKX, Binance, HTX
Why Do You Need a Virtual Credit Card?#
First, let's discuss why you should use a virtual credit card. Domestic bank cards are often rejected for overseas payments due to regional restrictions or risk control. For example, if you want to recharge ChatGPT Plus, a domestic credit card is likely to show "payment failed." Virtual credit cards not only solve this problem but also protect your real bank card information, making it safe and convenient. More importantly, platforms like WildCard are specifically optimized for domestic users, making the operation incredibly simple!
Recommended Virtual Credit Cards for Domestic Users#
There are many virtual credit cards on the market, but you really need to choose those suitable for domestic users. The following options have been market-validated, stable, and reliable:
- WildCard: Definitely the first choice for domestic users! It supports direct recharges via Alipay and WeChat, eliminating the hassle of dealing with USDT. The card opening speed is fast, and the payment success rate is high, especially suitable for overseas services like ChatGPT, OpenAI, and Netflix. The highlight is that by registering with the invitation code "LEIXUE," you can enjoy card opening discounts, maximizing cost-effectiveness!
- VCard: Backed by the US-listed company Yueshang Group, it has strong compliance, supports USDT recharges, and has a low fee rate of 1.35%. It can also be linked to Alipay and WeChat, making domestic consumption very convenient, suitable for cryptocurrency enthusiasts.
- PokePay: Issued in Hong Kong, it supports HKD settlement and offers both virtual and physical cards. It supports recharges with various cryptocurrencies like USDT and BTC, and binding with Hong Kong Alipay allows for domestic QR code consumption, providing great flexibility.
- Dupay: An established platform with a large user base, supporting Visa and MasterCard. USDT recharges have no minimum threshold, suitable for small purchases, but occasional maintenance may affect the experience.
- WasabiCard: Focused on privacy protection, suitable for users seeking anonymity. USDT recharges are simple, with moderate fees, catering to niche needs.
How to Purchase USDT and Recharge Your Virtual Credit Card?#
Apart from WildCard supporting direct recharges via Alipay, most other virtual cards require recharges with USDT. Don't worry, buying USDT and recharging is actually not that complicated; just follow these steps:
1. Choose a Reliable Exchange#
To purchase USDT, you need to go through a cryptocurrency exchange. Here are a few commonly used platforms in China:
- OKX: User-friendly interface, fast transaction speed, supports Alipay and WeChat payments.
- Binance: The largest exchange globally, with strong liquidity and high security.
- HTX: An established exchange suitable for beginners, easy to operate.
After registering an account, remember to complete real-name verification (KYC) by uploading your ID and video verification, which takes about 5-10 minutes.
2. Purchase USDT#
After logging into the exchange, go to the "C2C Trading" or "Quick Buy" page:
- Select "Buy USDT" and enter the amount you want to buy (for example, 100 USD, about 700 RMB).
- Choose a payment method (Alipay or WeChat), and after confirming, you will be redirected to the seller's payment information.
- Make the payment as required, noting the order number, and after payment, click "I have paid."
- Wait a few minutes, and the USDT will arrive in your exchange wallet; check the "Assets" page to confirm receipt.
Tip: Binance may have a 24-hour freeze period, so after purchasing, you may need to wait a day before withdrawing to the virtual card, so plan your time accordingly!
3. Recharge USDT to Your Virtual Card#
Taking Dupay as an example, the recharge steps are as follows:
- Log into the virtual card's official website or app, and find the "Recharge" or "Wallet" page.
- Select USDT, and copy the recharge address provided by the platform (be sure to choose the correct network, such as BEP20 or TRC20).
- Return to the exchange, click "Withdraw," paste the recharge address, enter the transfer amount, and confirm the network consistency.
- Submit the withdrawal request, and after 5-10 minutes, the USDT will arrive in your virtual card account.
Other platforms like VCard or PokePay operate similarly; remember to double-check the address and network, as mistakes can lead to irreversible losses!
4. Apply for the Card and Spend#
Once the recharge is complete, apply for the virtual card (usually there is a card opening fee, for example, PokePay starts at about 7.2 USD). After the card is issued, simply bind it to platforms like ChatGPT, Amazon, etc., enter the card number, expiration date, and CVV code, and you can enjoy spending!
Tips to Avoid Pitfalls#
- Choose Low-Fee Platforms: Platforms like VCard have low fees, saving you money in the long run.
- Test with Small Amounts: For the first recharge, it's advisable to test with a small amount to confirm everything is fine before increasing the amount.
- Be Aware of Maintenance Periods: Dupay occasionally undergoes maintenance, so check the official announcements before recharging.
- Prioritize WildCard: If you don't want to deal with USDT, just use WildCard, which allows for one-click recharges via Alipay, making it hassle-free and efficient.
Conclusion: Choose the Right Card for Worry-Free Payments#
Whether it's subscribing to AI services, shopping overseas, or engaging in cross-border e-commerce, virtual credit cards are the "pass" for domestic users. WildCard is definitely the first choice due to its advantages of Alipay recharge and no KYC requirement; VCard, PokePay, Dupay, and WasabiCard are more suitable for users familiar with USDT. Buying USDT and recharging may sound complicated, but it's actually quite simple when following the steps. Exchanges like OKX, Binance, and HTX are also mature and secure. Give it a try and unlock new ways to pay overseas!