The present invention provides a method, device, and system for creating a virtual credit card, and the method includes: acquiring a subset of real-name information from a user interface of a terminal device; searching the real-name information stored in the first server with the subset of the real-name information; upon the real-name information is found in the first server, sending the real-name user information to a second server; finding whether the real-name information associates with a credit card account stored in the second server; after finding the credit card account is stored in the second server, creating, by the second server, a virtual credit card account; and storing the virtual credit card associated with the virtual credit card account in the data storage of the first server. The present invention can improve the efficiency of creating a credit account.