利率下限低至0%，银行打响信用卡透支利率之战

Core Viewpoint - The credit card industry is entering a phase of stock reduction, prompting banks to adjust credit card overdraft interest rates to enhance customer engagement and competitiveness against lower consumer loan rates [1][5]. Group 1: Interest Rate Adjustments - Several banks have revised their credit card overdraft interest rates, breaking the previous standard of 0.05%, with Everbright Bank announcing a new range of 0%-0.05% daily interest rate, translating to an annual rate of 0%-18.25% [1][3]. - This adjustment allows high-quality credit card users to potentially access a minimum overdraft interest rate of 0% [3]. Group 2: Market Dynamics - The market is witnessing a shift towards the marketization of credit card overdraft rates, driven by the need to retain existing customers amid declining credit card usage and competition from lower-rate consumer loans [5][6]. - The People's Bank of China has indicated a move towards deregulating the lower limit of credit card overdraft rates, which has been anticipated since a 2020 notice aimed at marketizing these rates [3][5]. Group 3: Impact on Banks - The number of credit cards has decreased significantly, with a loss of 92 million cards since 2022, leading to a decline in both credit card loan and consumption scales [6]. - Many banks reported a drop in credit card transaction amounts, with some banks experiencing declines exceeding 10% year-on-year [6]. - Banks are adopting differentiated strategies, such as fee waivers and enhanced customer benefits, to attract and retain high-quality customers in a shrinking market [8].