独立App被关停，银行信用卡业务加快“瘦身”

Core Viewpoint - The trend of "streamlining" and "integration" of banking apps is accelerating, with several banks consolidating their credit card services into their main banking apps to enhance user experience and resource efficiency [1] Group 1: Industry Trends - China Bank was the first to shut down its independent credit card app, followed by Postal Savings Bank, which announced the gradual cessation of updates to its "Postal Savings Credit Card App" [1] - Other banks, including Beijing Rural Commercial Bank, Bohai Bank, Shanghai Rural Commercial Bank, and Sichuan Rural Credit Union, have also initiated similar integration efforts [1] Group 2: Business Implications - Experts indicate that as the expansion benefits of credit cards diminish and profit margins come under pressure, commercial banks are likely to reduce costs and improve user experience by integrating credit card services into their main apps [1] - The credit card business is transitioning from an "independent entry" model to a "comprehensive ecosystem" service approach [1]