“羊毛太少！”信用卡正在被年轻人抛弃？有卡民7张信用卡销掉6张

Core Viewpoint - The article highlights a significant decline in credit card metrics among major banks in China during the first half of 2025, indicating a shift in consumer behavior and a potential crisis in the credit card industry [3][4]. Credit Card Loan Balance - The total credit card loan balance of 14 listed banks reached 7.52 trillion yuan, a decrease of 197.57 billion yuan or 2.56% compared to the beginning of the year [5]. - China Bank experienced the largest decline, with a reduction of 13.88% in credit card loans, while Agricultural Bank and Industrial Bank saw increases [5][6]. Credit Card Transaction Volume - Credit card transaction amounts fell by 11.05% year-on-year, totaling 11.47 trillion yuan, with 12 banks reporting declines [5][6]. - China Bank and China Everbright Bank reported the highest declines, exceeding 18%, while Construction Bank and Agricultural Bank had the smallest declines around 5% [5][6]. Credit Card Circulation - The total number of credit cards in circulation decreased by 3.91 million to 890 million, continuing a downward trend [6][11]. - Ping An Bank saw a 12% reduction in credit cards, while China Citic Bank increased its card issuance by 6.37 million [6][11]. Credit Card Business Revenue - Credit card business revenue for major banks also declined, with only four banks disclosing figures [8]. - For instance, China Merchants Bank reported a 4.96% drop in interest income and a 16.23% drop in non-interest income [8]. Credit Card Default Rates - The credit card default rates for most banks continued to rise, with China Merchants Bank maintaining a rate of 1.75% [9]. - Agricultural Bank and Postal Savings Bank reported the lowest default rates at around 1.5% [9]. Changing Consumer Attitudes - Consumers are increasingly adopting a "decluttering" approach, with many choosing to cancel excess credit cards, citing a preference for fewer cards that offer better benefits [10][12]. - The shift in consumer behavior is attributed to a saturated market and diminishing cardholder benefits, prompting banks to focus on retaining existing customers rather than acquiring new ones [10][12]. Differentiation Strategies - Banks are exploring differentiated strategies to attract customers, such as promotional activities and tailored products for specific demographics [13]. - For example, Industrial Bank launched a promotional campaign covering over 200 cities, while China Bank introduced a themed credit card targeting younger consumers [13].