多家银行信用卡业务“瘦身” 行业进入精耕细作新阶段

Core Insights - The domestic credit card market is undergoing significant changes, including reduced benefits, discontinuation of certain products, and closure of credit card centers, indicating a transformation in the industry [1][3][4] Group 1: Adjustments in Credit Card Benefits - Several banks, including China Merchants Bank and Everbright Bank, have announced adjustments to high-end credit card benefits, focusing on increasing usage thresholds, modifying point accumulation rules, and reducing high-cost benefits [2][4] - Specific changes include increased requirements for redeeming points for miles and adjustments to annual fee waivers, such as requiring a minimum spending threshold alongside points [2][3] Group 2: Discontinuation of Credit Card Products - Many banks, including Agricultural Bank of China and Postal Savings Bank, have stopped issuing certain credit card products, particularly co-branded cards in sectors like aviation and e-commerce, citing business strategy adjustments and service quality improvements [3][4] Group 3: Shift in Industry Focus - The credit card industry is transitioning from an expansion phase to a focus on optimizing existing customer value, emphasizing the need for banks to streamline inefficient products and concentrate on core customer segments [4][5] - Factors driving this shift include intensified competition in the credit consumption market, pressure on credit assets, and the need to adapt to consumer preferences for high-frequency, essential spending scenarios [4][5][6] Group 4: Future Development Directions - Future strategies will involve deepening customer engagement through tailored benefits for different customer segments, enhancing self-operated service coverage, and integrating credit cards with wealth management and private banking services [5][6] - The industry is moving towards a model that prioritizes quality over quantity, focusing on value contribution and improving comprehensive financial service quality for high-end customers [6]