信用卡放大招，消费方面迎来大整顿，这2项新规定要多留意

Core Insights - The credit card industry is undergoing significant changes in usage rules, particularly regarding installment payments and specific consumption scenarios, reflecting a trend towards more regulated financial practices [1][3][10]. Changes in Credit Card Policies - Major banks have adjusted installment fee rates, moving away from promotional "0 fees" offers to standard rates, with an average increase from 0.68% to 0.72% per period, marking a 5.9% rise [3][4]. - The average fee for a 12-month installment on a 10,000 yuan transaction has increased by approximately 48 yuan under the new rates [3][4]. - The rise in credit card delinquency rates, which reached 1.85% in 2024, has prompted banks to tighten their policies and reassess risk management strategies [3][4]. Restrictions on Specific Consumption Scenarios - Starting in May 2025, many banks have begun limiting credit card payments for rent, property fees, and insurance, often requiring a portion to be paid through other means [6][10]. - Over 85% of major credit card issuers have implemented restrictions on specific consumption scenarios, indicating a shift in risk control and profitability strategies [6][10]. Changes in Points and Rewards System - Many banks are revising their points accumulation rules, with some transactions, such as utility payments, no longer earning points or earning at a reduced rate [7][10]. - Consumers are advised to regularly check their credit card statements and be aware of changes in points policies to maximize benefits [7][10]. Stricter Management of Overpayments - Over 60% of major banks have revised their policies on overpayments, reducing the maximum allowable overpayment from three times the credit limit to approximately the credit limit itself [9][10]. - This change reflects a move towards a more traditional use of credit cards as payment tools rather than savings accounts [9][10]. Increased Costs for International Use - Many banks have raised fees for international credit card transactions, with cash withdrawal fees increasing from 1.5% to 2% and additional service fees being introduced [10][10]. - Consumers planning to travel abroad are encouraged to familiarize themselves with their credit card's international fees and consider alternative payment options [10][10]. Recommendations for Consumers - Consumers are advised to plan their spending and repayment schedules carefully, avoid unnecessary installment payments, and compare rates across different banks [4][7][11]. - Establishing a rational consumption habit and understanding the specific benefits of different credit cards can help consumers navigate the evolving landscape of credit card usage [11][12].