下限低至0％！部分股份行信用卡透支利率大调整

Core Viewpoint - The credit card overdraft interest rate adjustment by a certain bank marks a significant shift towards differentiated pricing based on customer creditworthiness, potentially benefiting high-quality credit card users by reducing or eliminating interest charges [2][4]. Group 1: Interest Rate Adjustment - A certain bank announced a change in its credit card overdraft interest rate from a range of "daily interest rate of 0.035% to 0.05%" to "daily interest rate of 0%-0.05%, with an approximate annual interest rate of 0%-18.25%" effective from September 29 [2][3]. - This is the first instance in the industry where a bank has publicly broken the previous interest rate range, indicating that high-quality credit card customers may not incur overdraft interest [2][4]. Group 2: Market Pricing and Regulation - The adjustment aligns with the central bank's 2020 directive to promote market-oriented pricing for credit card overdraft rates, allowing banks to negotiate rates with cardholders without fixed upper and lower limits [4][5]. - Despite the regulatory changes, few banks have actively implemented differentiated pricing strategies until now, indicating a slow adoption of the market-oriented approach [4][6]. Group 3: Industry Challenges - The credit card industry is facing challenges, with many banks reporting a decline in transaction volumes and an increase in non-performing loans [7]. - As the competitive landscape shifts, banks are focusing on refining their customer segmentation and enhancing digital integration to create proprietary consumption ecosystems [7].