a credit card paying method comprises the steps of : firstly designating a mobile communications terminal capable of reading the information of a credit card from the magnetic and ic chip thereof for a virtual credit card paying terminal ; and directly contacting a credit card with the mobile communications terminal designated as the virtual credit card paying terminal in order to pay a bill for an online or offline purchase made by the user of the mobile communications terminal , thereby preventing the credit card information of the user from being undesirably exposed to a third party because the payment for a purchase can be made by directly contacting the credit card with the mobile communications terminal .