The virtual credit card market is indeed full of ups and downs, especially for domestic users, making it increasingly important to choose a reliable virtual card. Platforms like BinGoCard were once favored for supporting cloud flash payment and their simple operation, but now, due to policy changes and malicious reports, the recharge channels have been closed, leaving many users caught off guard. On the other hand, WildCard has completely ceased operations due to regulatory reasons. Although the balance can still be used, the uncertainty of the future makes it urgent to find alternatives. In this situation, VCard, a virtual card that supports cryptocurrency recharges, has become a good backup option for domestic users. Let me discuss the specifics and recommend a few alternative cards to help clarify the situation.
BinGoCard Recharge Turmoil: Even Good Cards Can't Escape Regulation#
BinGoCard was once a "hot cake" in the hearts of domestic users. It is issued by CB International Bank LLC in the United States and is strictly regulated by the Office of the Comptroller of the Currency (OCC) in the U.S., holding an OCIF bank license, ensuring safety. As an international partner of VISA, BinGoCard has an independent card BIN, making it more stable than many other virtual cards on the market. More importantly, it supports cloud flash payment, eliminating the cumbersome USDT operations. Domestic users only need to upload their ID and complete KYC verification to quickly open a card, with a recharge fee of only 3.5% and a one-time card opening fee of $20 (using the invitation code "LEIXUE" can save $5), with no annual fee for life, making it quite cost-effective.
BinGoCard also supports one-click subscription to ChatGPT Plus, covering many overseas services such as Midjourney, DALL-E, Netflix, Spotify, and Amazon Prime Video, and even allows upgrading to a physical card for convenient spending in the U.S. or accumulating FICO credit scores. Such features are simply a "magic tool" for cross-border consumption for domestic users. Unfortunately, the good times didn't last long. News on July 17, 2025, indicated that BinGoCard's only supported cloud flash payment recharge channel was closed due to malicious reports, new users cannot register, and old users can only use their balance for consumption. Although the official stated they are seeking ways to purchase foreign exchange through U.S. bank accounts or recharge with overseas funds, there has been no new progress, and the recharge function has yet to be restored.
WildCard Suspension: Use Up Your Balance Quickly#
Now let's talk about WildCard, which is in a more serious situation. On July 12, 2025, WildCard completely ceased operations to cooperate with relevant department investigations, and the official website was temporarily inaccessible. Although an announcement on July 13 stated that the website issue was due to the server being shut down and not an intentional exit, user data has been restored, and normal access is expected to resume within 48 hours, the recharge and refund functions cannot be restored temporarily due to regulatory reasons. By July 14, although the official website had restored some functions, allowing users to log in to check card numbers and CVV, the stability of external interfaces remains questionable, and users are advised to operate cautiously.
More critically, WildCard's recharge channels have been completely blocked. Although the balance can still be used for Netflix, Spotify, and other bound services, changes in policies from upstream issuing institutions create significant uncertainty for the future. The announcement advises users to consume their balance as soon as possible to avoid potential financial losses. If you still have a balance in your WildCard, use it quickly, and don't wait until it completely shuts down to regret!
VCard: A Reliable Choice for Cryptocurrency Cards#
In the context of the collective "silence" of RMB recharge channels, cryptocurrency virtual cards have become a lifeline for domestic users. Among them, VCard is a recommended alternative choice. VCard supports recharges via BTC, ETH, and USDT. Although it is slightly more complex than cloud flash payment operations, it is not a high barrier for users familiar with cryptocurrencies. Its advantage lies in being backed by a listed company, ensuring strong stability, and supporting direct binding with Alipay and WeChat Wallet for convenient daily consumption. Whether it's subscribing to ChatGPT Plus, Netflix, or other overseas services, VCard can handle it, with transparent fees and relatively simple operations.
In addition to VCard, other cryptocurrency virtual cards like PokePay, BinPay, and WasabiCard each have their own features. For example, PokePay supports Hong Kong dollar Visa cards with no minimum recharge requirement, suitable for small subscriptions; WasabiCard focuses on anonymity, making it suitable for privacy-conscious users; and BinPay excels in multi-scenario consumption, although it occasionally interrupts service for maintenance, it is also a good backup card.
How to Choose the Right Virtual Card for Yourself?#
In light of the "double failure" of BinGoCard and WildCard, how should domestic users choose? My suggestion is to use up the balance on existing cards first, especially WildCard, as the uncertainty of regulation makes time pressing. Consider switching to cryptocurrency cards, with stable and relatively simple platforms like VCard being a good starting point. If you are a cryptocurrency novice, you can start with small USDT recharges, and increase your investment after familiarizing yourself with the process.
Diversifying risk is also very important. Don't put all your funds on one card; VCard, PokePay, BinPay, and WasabiCard can be used in combination based on your consumption scenarios. For example, VCard is suitable for subscribing to streaming media and AI services, PokePay is suitable for small flexible consumption, and WasabiCard is suitable for users seeking privacy.
Conclusion: Take Action and Embrace New Choices#
Although the virtual card market is full of twists and turns, fortunately, there are alternatives like VCard that allow domestic users to continue enjoying overseas services. Although BinGoCard's cloud flash payment recharge is temporarily "cooling off," its balance can still be used, so hurry up and spend it! As for WildCard, make sure to use up your balance quickly and don't wait for policies to change again. For new users or those needing long-term stable solutions, VCard, PokePay, BinPay, and WasabiCard are all worth trying. Go check the balance on the BinGoCard official website (remember to use the invitation code "LEIXUE" to save $5) or directly register for VCard to start your new overseas consumption journey!