开年“关停潮”持续！多家银行信用卡分中心“谢幕”

Core Viewpoint - The ongoing wave of credit card center closures in banks reflects a significant industry shift from "incremental expansion" to "deep cultivation of existing stock," driven by the evolution of offline business models and the need for enhanced digital capabilities and merchant ecosystem collaboration [1][8]. Group 1: Industry Trends - As of January 2026, several banks, including state-owned and city commercial banks, have closed credit card centers, indicating a trend towards operational efficiency [3]. - Since 2025, over 60 credit card centers have closed, with a notable decline in card issuance from 807 million in Q2 2022 to 707 million by Q3 2025, representing a loss of 100 million cards [3]. - The shift towards online card applications has diminished the effectiveness of traditional offline sales teams, leading to increased operational costs without corresponding revenue growth [3][4]. Group 2: Business Strategy - Banks are focusing on optimizing existing cardholder services and leveraging technology such as big data and AI to restructure their business models and manage costs effectively [4][5]. - The closure of credit card centers is expected to lead to a consolidation of operations under local branches, retaining only essential personnel for customer service and account management [5]. - The industry is moving towards a phase of refined operations, emphasizing the importance of extracting deeper value from existing customers rather than pursuing aggressive growth [6][8]. Group 3: Future Outlook - The trend of closing local credit card centers is anticipated to continue, with more banks expected to follow suit in optimizing their operations [8]. - The restructuring is viewed not as a sign of industry decline but as a necessary realignment of operational logic, focusing on existing customer service, enhancing digital capabilities, and deepening merchant collaborations as key directions for sustainable development in the credit card business [8].