“虚拟信用卡”用英文怎么说？

就在银行业集体反击“余额宝”、“理财通”时，中信银行率先掉头，选择跟阿里巴巴和腾讯公司达成合作，分别与两公司合作推出虚拟信用卡。

Chinese Internet conglomerates are coming out with virtual credit card services to facilitate smoother digital transactions as they vie for a bigger share of their respective payment niches.

中国的互联网巨头公司都在为各自的支付平台抢占市场份额，近日他们同时推出虚拟信用卡，以使电子交易更加便捷。

“余额宝”、“理财通”等在线理财产品（online wealth management products）的热潮还没有过去，腾讯和阿里巴巴两大公司最近又推出虚拟信用卡（virtual credit card），吸引那些平时喜爱网购又有点资金周转困难的人们。

这种虚拟信用卡将跟用户的支付宝（Alipay）或财付通（Tenpay）账户绑定，用户的信用额度由之前的消费数据决定。支付宝信用卡的基准信用 额度（benchmark credit limit）为200元；财付通的额度则分为50元、200元、1000元，以及5000元四档，用户还可享受50天的免息期（50-day interest-free period）。

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