Yoomoney 是一家位于俄罗斯的公司，提供包括虚拟卡在内的在线支付服务。这些卡允许您在线购物而无需透露您的个人银行信息。由于没有实体卡可随身携带，您永远不必担心丢失或被盗。
Yoomoney is a Russian-based company that provides online payment services, including virtual cards. These cards allow you to make purchases online without revealing your personal banking information. And with no physical card to carry around, you’ll never have to worry about losing it or having it stolen.
但虚拟卡的好处不仅仅是安全。他们还可以帮助您管理您的消费习惯。使用 Yoomoney 的虚拟卡，您可以设置消费限额。达到限额后，该卡将不再有效，直到您向其添加更多资金。这对于在线购物尤其有用，因为点击“添加到购物车”很容易让您忘乎所以。
But the benefits of virtual cards go beyond just security. They can also help you manage your spending habits. With Yoomoney’s virtual card, you can set a limit on how much you want to spend. Once you’ve hit your limit, the card will no longer work until you add more funds to it. This can be especially helpful for online shopping, where it’s easy to get carried away with clicking “Add to Cart.”
但是那些需要实体卡的时候呢？ Yoomoney 也有你覆盖。您可以一次性订购一张MNP（Mobile Number Portability）实体卡，费用为600卢布（约合人民币65元）。此外，没有年费，使其成为比传统信用卡便宜得多的替代品。
But what about those times when you need a physical card? Yoomoney has you covered there too. You can order a MNP (Mobile Number Portability) physical card for a one-time fee of 600 rubles (about 65 RMB). Plus, there’s no annual fee, making it a much cheaper alternative to traditional credit cards.
如果您正在寻找更便宜的选择，您可以尝试通过 Yoomoney 的促销活动购买打折的 MNP 实体卡。他们偶尔会提供折扣，可以将价格降至仅 99 卢布（约 10 元人民币）！
And if you’re looking for an even cheaper option, you can try to snag a discounted MNP physical card through Yoomoney’s promotions. They occasionally offer discounts that can bring the price down to just 99 rubles (about 10 RMB)!
但是使用虚拟卡有什么风险呢？有用户反映正常扣款有问题吗？答案大多是否定的。虽然某些商家出现了一些孤立的问题，但 Yoomoney 的客户服务团队可以帮助解决任何问题。
But what about the risks of using a virtual card? Have users reported any problems with deducting money normally? The answer is mostly no. While there have been some isolated incidents of issues with certain merchants, Yoomoney’s customer service team is available to help resolve any problems.
总体而言，Yoomoney 的虚拟卡和 MNP 实体卡提供了一种方便且经济高效的方式来管理您的在线和实体交易。此外，通过在账户之间轻松转账的选项，预算和储蓄从未如此简单。
Overall, Yoomoney’s virtual cards and MNP physical cards offer a convenient and cost-effective way to manage your online and physical transactions. Plus, with the option to easily transfer money between accounts, it’s never been easier to budget and save.
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