低至两折，甚至免息！银行发力信用卡分期

Core Insights - The core viewpoint of the articles is that banks are increasingly promoting credit card installment services in response to a decline in credit card issuance, aiming to stimulate consumer spending and enhance their credit card business [1][5]. Group 1: Credit Card Issuance Trends - In the second quarter of this year, the issuance of credit cards decreased by 6 million, continuing a downward trend [1][7]. - As of the end of the second quarter, there were 715 million credit cards and loan cards issued in China, reflecting a significant reduction from the previous quarter [7]. Group 2: Bank Strategies and Promotions - Major national banks are launching various credit card installment promotions, including discounts, cash rebates, and partnerships with automotive and consumer platforms [1][4]. - Specific promotional activities include China Bank's four types of installment plans with significant interest rate discounts for new customers, with annualized rates as low as 3.51% [3]. - Local banks like Hankou Bank and Beibu Gulf Bank are also actively promoting credit card installment services, highlighting benefits such as flexible repayment options and quick processing [3]. Group 3: Market Dynamics and Consumer Behavior - The push for credit card installment services aligns with the broader economic environment aimed at boosting consumer spending, indicating a competitive landscape in retail credit [5]. - Experts emphasize the importance of product innovation, application scenarios, and asset quality for sustainable development in the credit card business [7]. - Consumers are advised to carefully evaluate the true cost of borrowing, especially in light of misleading low-interest promotions that may not reflect the actual long-term costs [6][8].