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A virtual credit card (also called a virtual card number) is a digitally generated card number linked to your real credit card or account. It typically includes a unique 16-digit number, expiration date, and CVV for secure online purchases, often with options to set spending limits, make it single-use, or lock it to specific merchants. 1. Check with Your Existing Credit Card Issuer Many major banks and issuers offer virtual cards for free to eligible cardholders. This is often the easiest option