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<?php $pageTitle = "Virtual Cards"; include 'includes/public-header.php'; ?>

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<section class="db-page-hero" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">Virtual Cards</h1><p class="db-page-hero-subtitle">A digital debit card issued instantly — perfect for online shopping, subscriptions, and anywhere you want to keep your physical card details private.</p></div></section>

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  <div class="db-content animate"><h2>What Is a Virtual Card?</h2><p>A virtual card from <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> is a digital-only debit card that exists entirely within your online banking dashboard. It has a unique 16-digit card number, expiry date, and CVV security code — just like a physical card — but it is generated digitally and is ready to use the moment you create it. Virtual cards are designed for online purchases, subscription services, and any situation where you want to protect your primary account and physical card details from exposure.</p></div>
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    <div class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-bolt"></i></div><h3 class="db-card-title">Instant Issuance</h3><p class="db-card-text">Create a virtual card in seconds from your dashboard. No waiting for mail delivery — the card number, expiry, and CVV are generated immediately and available for online use right away.</p></div>
    <div class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-shield-alt"></i></div><h3 class="db-card-title">Enhanced Privacy</h3><p class="db-card-text">Your virtual card has its own unique number — completely separate from your physical debit card. If a merchant is breached, your primary account details remain safe.</p></div>
    <div class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-sliders-h"></i></div><h3 class="db-card-title">Spending Controls</h3><p class="db-card-text">Set custom spending limits per virtual card, restrict usage to specific merchants, and freeze or delete a card instantly — all from your dashboard.</p></div>
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<section class="db-section db-section-bg"><div class="db-container">
  <div class="db-section-header animate"><span class="db-section-label">Benefits</span><h2 class="db-section-title">Why Use a Virtual Card?</h2></div>
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    <div class="db-feature animate animate-delay-1"><div class="db-feature-content"><div class="db-feature-icon"><i class="fas fa-shopping-bag"></i></div><h3 class="db-feature-title">Safer Online Shopping</h3><p class="db-feature-description">When you shop online with a virtual card, your actual debit card number is never shared with the merchant. If the merchant's database is compromised, your virtual card number can be deleted and replaced instantly — your primary account and physical card remain completely unaffected.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Unique number for each virtual card</li><li><i class="fas fa-check-circle"></i> No exposure of physical card details</li><li><i class="fas fa-check-circle"></i> Delete and replace a virtual card in seconds</li></ul></div></div>
    <div class="db-feature animate animate-delay-2"><div class="db-feature-content"><div class="db-feature-icon"><i class="fas fa-chart-pie"></i></div><h3 class="db-feature-title">Spending Control & Budgeting</h3><p class="db-feature-description">Virtual cards give you granular control over your spending. Set a maximum transaction amount, a total spending limit, or restrict the card to work only with a specific merchant. This makes virtual cards ideal for managing subscriptions, giving allowances, or controlling business expenses.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Per-card spending limits</li><li><i class="fas fa-check-circle"></i> Merchant-specific restrictions</li><li><i class="fas fa-check-circle"></i> Freeze card with one click</li></ul></div></div>
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  <div class="db-section-header animate"><span class="db-section-label">How It Works</span><h2 class="db-section-title">Creating & Using a Virtual Card</h2></div>
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    <div class="db-step"><h4>Log In to Dashboard</h4><p>Sign in to your <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> online banking account and navigate to the Cards section.</p></div>
    <div class="db-step"><h4>Create Virtual Card</h4><p>Click "Create Virtual Card." Set a name for the card (e.g., "Netflix Subscription" or "Online Shopping"), choose a spending limit, and optionally restrict it to a specific merchant.</p></div>
    <div class="db-step"><h4>Use for Payments</h4><p>Your virtual card is generated instantly with a 16-digit number, expiry date, and CVV. Use these details to make online purchases or set up subscription payments — just like a physical card.</p></div>
    <div class="db-step"><h4>Manage & Monitor</h4><p>View all transactions in real time from your dashboard. Adjust limits, freeze the card, or delete it entirely at any point. Create multiple virtual cards for different purposes.</p></div>
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  <div class="db-section-header animate"><span class="db-section-label">Usage</span><h2 class="db-section-title">Where Can I Use a Virtual Card?</h2><p class="db-section-subtitle">Virtual cards work anywhere online that accepts Visa, MasterCard, or Discover debit cards.</p></div>
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    <div class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-shopping-cart"></i></div><h3 class="db-card-title">Online Retailers</h3><p class="db-card-text">Shop at Amazon, eBay, Walmart.com, Target.com, and millions of other online stores. Your virtual card works just like any other debit card at checkout.</p></div>
    <div class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-redo-alt"></i></div><h3 class="db-card-title">Subscription Services</h3><p class="db-card-text">Use a virtual card for Netflix, Spotify, Amazon Prime, cloud storage, software subscriptions, and any recurring online service. Set spending limits that match your billing cycle.</p></div>
    <div class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-plane-departure"></i></div><h3 class="db-card-title">Travel & Booking</h3><p class="db-card-text">Book flights, hotels, and car rentals online. Use a dedicated virtual card for each trip to keep your main card details secure and easily track travel expenses.</p></div>
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  <div class="db-section-header animate"><span class="db-section-label">Security</span><h2 class="db-section-title">Virtual Card Security</h2></div>
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    <div class="db-feature animate animate-delay-1"><div class="db-feature-content"><div class="db-feature-icon"><i class="fas fa-fingerprint"></i></div><h3 class="db-feature-title">Built-In Protection</h3><p class="db-feature-description">Virtual cards inherit all the security features of your account: they are linked to your PIN-protected account, and every transaction is monitored by our fraud detection system. Because virtual cards have no physical form, they cannot be skimmed at ATMs or point-of-sale terminals.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Cannot be physically skimmed or cloned</li><li><i class="fas fa-check-circle"></i> Real-time fraud monitoring on all transactions</li><li><i class="fas fa-check-circle"></i> Zero liability for unauthorized charges</li></ul></div></div>
    <div class="db-feature animate animate-delay-2"><div class="db-feature-content"><div class="db-feature-icon"><i class="fas fa-trash-alt"></i></div><h3 class="db-feature-title">Instant Deletion & Replacement</h3><p class="db-feature-description">If a virtual card is ever compromised or you simply want to stop using it, you can delete it permanently from your dashboard with one click. A replacement can be generated instantly. This is a major advantage over physical cards, which must be mailed and take days to replace.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Delete a compromised card instantly</li><li><i class="fas fa-check-circle"></i> Generate a replacement in seconds</li><li><i class="fas fa-check-circle"></i> No waiting for physical mail delivery</li></ul></div></div>
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  <div class="db-section-header animate"><span class="db-section-label">FAQ</span><h2 class="db-section-title">Frequently Asked Questions</h2></div>
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    <div class="db-faq-item"><button class="db-faq-question">How many virtual cards can I create? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>There is no limit to the number of virtual cards you can create. Many customers create separate cards for different purposes — one for subscription services, one for online shopping, one for travel bookings, and so on. Each card has its own unique number and can be managed independently.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">Does a virtual card cost anything? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Virtual cards are free. You can create as many as you need at no cost. There are no monthly fees, issuance fees, or maintenance charges for virtual cards.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">Can I use a virtual card at a physical store or ATM? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Virtual cards are designed for online and card-not-present transactions. They cannot be used to withdraw cash at ATMs or for in-store chip-and-PIN purchases. For in-person spending, you will need a physical debit card. Some mobile wallet integrations may allow virtual card usage at contactless terminals — check your dashboard for supported features.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">What happens to my subscriptions if I delete a virtual card? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>If you delete a virtual card that is linked to active subscriptions, those subscriptions will fail on their next billing attempt when the merchant tries to charge the deleted card. To avoid service interruptions, update your payment method with the merchant before deleting the virtual card. You can create a new virtual card to replace it.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">Can I set a recurring spending limit on a virtual card? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Yes. When creating or editing a virtual card, you can set a daily, weekly, or monthly spending limit. This is particularly useful for subscription services — set the limit just above the expected monthly charge, and any unexpected overcharges will be automatically declined.</p></div></div></div>
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<section class="db-section db-cta" aria-labelledby="cta-title"><div class="db-container"><div class="db-cta-inner animate"><h2 class="db-cta-title" id="cta-title">Create Your First Virtual Card</h2><p class="db-cta-description">Open an account today and generate a virtual card in seconds. Shop online with confidence.</p><div class="db-cta-actions"><a href="account/register.html" class="db-btn db-btn-light db-btn-lg">Open an Account</a><a href="contact.html" class="db-btn db-btn-outline-white db-btn-lg">Contact Support</a></div></div></div></section>
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