年轻人为何抛弃信用卡？权益缩水，临近年末积分兑条毛巾都靠抢

Core Viewpoint - The decline in credit card attractiveness among consumers, particularly younger individuals, is attributed to reduced benefits, increased redemption thresholds, and aggressive marketing tactics by banks [1][5][9]. Group 1: Consumer Experience - Many credit cardholders report a significant reduction in benefits, such as access to airport lounges and lower redemption rates for rewards, leading to dissatisfaction [3][4]. - The requirements for promotional offers have become more stringent, with higher spending thresholds and additional tasks needed to qualify for benefits, causing frustration among users [3][4]. - Complaints about the difficulty of redeeming points for rewards have increased, with many items quickly going out of stock or requiring more points than before [3][4]. Group 2: Bank Policies and Adjustments - Several banks have announced plans to adjust credit card benefits, including reducing the number of times certain perks can be used and eliminating popular rewards [4][5]. - The adjustments are primarily driven by banks' need to control costs and respond to low usage rates of certain benefits [5]. Group 3: Marketing and Consumer Trust - Aggressive marketing tactics, including misleading promotions and persistent sales calls, have led to a decline in consumer trust towards credit card offerings [6][7]. - Consumers have reported feeling pressured into unnecessary spending or services, such as installment plans, without clear communication of the associated costs [6][7]. Group 4: Market Trends - The shift in consumer preferences towards alternative credit products, particularly among younger demographics, is evident as they favor flexible, fee-free options that align better with their spending habits [9]. - Banks are encouraged to explore differentiated customer targeting and improve service offerings to retain and attract credit card users [9].