又有多家银行宣布：获批终止营业

Core Insights - The recent trend of credit card center closures is not limited to state-owned banks, as smaller banks like city commercial banks are also participating in this "downsizing" movement, marking a new phase in the industry [1] - Guangzhou Bank has been particularly aggressive, having received approval to close seven credit card centers in key cities of the Pearl River Delta within the first month of the year [1] - The closures reflect a strategic shift in the business model of banks, particularly for Bank of Communications, which is transitioning from centralized operations to localized management of credit card services [2] Industry Trends - The number of credit cards in circulation has decreased from 8.07 billion in Q3 2022 to 7.07 billion in Q3 2025, indicating a decline of 1 billion cards over three years [3] - The credit card industry is moving from a phase of rapid expansion to one focused on high-quality development, necessitating banks to streamline operations and adapt to changing consumer needs [3] - Digital transformation and the increasing importance of online channels are driving the need for banks to rethink their credit card strategies, as traditional methods of customer acquisition become less effective [2] Recommendations for Banks - Banks should leverage their local branch advantages to build specialized teams that focus on regional market development, utilizing digital platforms for unified management of merchant resources [4] - A hybrid online-offline service model should be established, ensuring continuity in customer service and support to maintain market penetration and customer loyalty despite structural changes [4]