Cai Fu Zai Xian·2025-11-11 11:46Core Insights - The annual "Double Eleven" shopping festival has reignited the consumer market, with credit cards evolving from mere payment tools to comprehensive service platforms that enhance consumer experiences [1] Group 1: Consumer Market Trends - The total retail sales of consumer goods reached 36,587.7 billion yuan in the first three quarters of 2025, showing a year-on-year growth of 4.5%, while service retail sales grew by 5.2%, indicating strong resilience and vitality in the consumer market [1] - Financial institutions are focusing on how to effectively stimulate consumer activity through innovative financial solutions [1] Group 2: Targeted Consumer Initiatives - The Minsheng Bank Credit Card Center has launched various consumer-friendly initiatives in response to national consumption promotion policies, offering straightforward discounts to enhance consumer experience [2] - Collaborative campaigns with major platforms like JD.com, Douyin, Alipay, and Ctrip include "one-click card binding gift packages" and "Happy Birthday for the People" activities, providing cardholders with opportunities to receive up to 298 yuan in benefits [2] Group 3: Diversified Consumer Needs - The credit card business is transitioning from aggressive market expansion to refined operations, focusing on high-quality growth through user-centered strategies [3] - The Minsheng Credit Card Center is extending its services into daily life areas, allowing users to enjoy random discounts on various services like utility payments and movie tickets through the "Universal Steward" platform [3] Group 4: Enhanced Consumer Experience - The Minsheng Credit Card Center has introduced a co-branded Sam's Club card with benefits across multiple brands, covering dining, travel, and shopping, thus providing exclusive perks to customers [4] - The integration of financial services into every aspect of the consumer chain reflects a shift in Chinese consumption from rapid growth to high-quality development, with consumers increasingly valuing convenience and cost-effectiveness [4] - The Minsheng Credit Card Center aims to continuously optimize its product offerings and service experiences to inject financial vitality into various consumer sectors, contributing to the enhancement of consumer potential and quality of life [4]