Virtual credit cards have become an important tool for domestic users to subscribe to overseas services, especially on platforms like WildCard that support payment methods like Alipay for RMB top-ups, which are favored by users for their convenience and low barriers to entry. In July 2025, WildCard encountered a major disruption, pausing its business operations, raising concerns among users about its future direction. The previously considered alternative, BinGoCard, also faced malicious reports that led to the closure of its top-up channels, leaving many users in search of reliable virtual cards. WildCard will outline the events and recommend several trustworthy alternatives to help users continue enjoying overseas services.
WildCard Incident: From Service Suspension to Limited Recovery#
On July 12, 2025, WildCard suddenly announced the suspension of all business operations due to requests from relevant authorities, and the official website was temporarily inaccessible. This news caught users relying on WildCard to subscribe to services like ChatGPT Plus and Netflix off guard. Just two days later, on July 14, the website was back online, allowing users to log in to check their card numbers and CVV, but the top-up and withdrawal functions remained restricted, only allowing consumption with existing balances. On July 20, WildCard officially announced that to cooperate with the investigation, the platform would suspend top-up, withdrawal, and new user registration functions, but emphasized that this was not a "runaway," promising to continue providing subscription services and working to fix the issue of "balance being cleared due to failed withdrawals."
Although WildCard officials attempted to stabilize user emotions, the suspension of core functions undoubtedly shook user confidence. For users with remaining balances, it was advised to consume as soon as possible to reduce risks. For those looking for alternatives, the virtual card market still offers several options, but attention must be paid to top-up methods and platform stability.
BinGoCard's Unexpected Setback#
After WildCard's service suspension, many users turned their attention to BinGoCard, which supports top-ups via Cloud Flash Payment, hoping to continue subscribing to overseas services through a more familiar domestic payment channel. BinGoCard also faced malicious reports, leading to the closure of its top-up channels. The official statement indicated that future top-ups would be conducted through personal accounts at U.S. banks, but this process is complex and costly for domestic users, making it difficult to serve as an ideal alternative to WildCard. This series of events made users realize that virtual card platforms relying on domestic payment channels carry policy risks, and cryptocurrency-based virtual cards might be a safer and more stable choice.
Recommended WildCard Alternatives: Four Virtual Cards to Watch#
To help users find reliable alternatives, here are four virtual cards that support USDT top-ups, covering overseas services like ChatGPT Plus and OpenAI, balancing security and convenience:
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PokeCard
A Visa virtual credit card based on Hong Kong dollars, its biggest highlight is the lack of minimum top-up or spending requirements, making it particularly suitable for users with small transactions. Whether subscribing to ChatGPT Plus, Netflix, or Amazon, PokeCard can handle it easily. Its physical card also supports ATM withdrawals and offline POS consumption, making it especially friendly for cryptocurrency users, suitable as a cash-out tool. The flexibility of PokeCard makes it the top choice after WildCard's service suspension. -
VCard
Backed by a publicly listed U.S. company, VCard is known for its low fees and domestic consumption friendliness. It can be directly linked to Alipay and WeChat for daily online consumption while also supporting subscriptions to overseas services. Compared to PokeCard, VCard's offline functionality is slightly weaker, but for users primarily engaged in online consumption, its stability and backing advantages make it a solid second choice. -
Dupay
As a "big brother" in the virtual card market, Dupay supports linking to WeChat and Alipay and covers overseas services like ChatGPT Plus. Past issues with top-ups and withdrawals due to system maintenance have affected user trust. It is recommended to use Dupay as a backup card alongside other platforms to spread risk. -
WasabiCard
Focused on anonymity and simple operations, WasabiCard is suitable for users who prioritize privacy, covering services like ChatGPT Plus. Although its user base is smaller and community support is limited, it is a good backup choice for users familiar with cryptocurrency operations.
Recommendation Strategy: Prioritize choosing PokeCard to meet small transaction needs, paired with VCard to ensure stability, while Dupay and WasabiCard can serve as backups. Using a combination of cards can effectively reduce the risk of relying on a single platform, and it is also advised to consume immediately after topping up to avoid long-term storage of large amounts of funds.
How to Buy USDT and Top Up Virtual Cards#
Since the above virtual cards require top-ups via USDT, users need to first purchase USDT from a cryptocurrency exchange. The following exchanges are recommended, all providing convenient USDT purchase options:
Purchase Steps:
- Access the USDT purchase page of the exchange through the above USDT purchase links.
- Follow the page instructions to register and log in, completing identity verification.
- Select the amount of USDT to purchase and complete the purchase via bank card or other payment methods.
- After the purchase, use the exchange's withdrawal function to transfer USDT to the recharge address of the virtual card platform.
The benefit of using USDT for top-ups is that cryptocurrency transactions bypass the regulatory risks of domestic payment channels, offering higher platform stability, suitable for long-term use.
Summary and Recommendations#
The suspension of WildCard and the closure of BinGoCard's top-up channels highlight the uncertainties in the virtual card market. In the face of policy risks, USDT-based virtual cards have become a safer choice. It is recommended to prioritize trying PokeCard and VCard, with Dupay and WasabiCard as supplements. Users can purchase USDT through exchanges like OKX and Binance to ensure a smooth top-up process. In using virtual cards, it is advisable to combine multiple cards and consume promptly to address potential risks and ensure continued access to overseas services.