The number of credit companies has been increasing due to the directed and undirected extra incomes from credit card holders. It effects to rapid growing rate of the number of credit card holders. Each individual is holding many credit cards that are harder to manage than before. At the same time, the usage of gadget devices such as mobiles is rising to the top where everyone carries at least one mobile, especially, every credit card holder. To manage the usage of several credit cards, we proposed the prototype of Virtual Credit Cards (VCC) on mobile phone running on Android platform in our system called Mobile Credit-card with Analytical Transaction (MCAT), an alternative of the existing Point-of-Sale (POS).