财联社·2025-09-27 09:54Core Viewpoint - Recent adjustments by multiple banks to credit card overdraft interest rates indicate a shift towards a more market-oriented pricing strategy, potentially benefiting high-quality credit card users with lower rates [1][2]. Group 1: Interest Rate Adjustments - Several banks have recently revised their credit card overdraft interest rate standards, breaking the previous 0.05% overdraft rate benchmark [1]. - Everbright Bank announced a change in its credit card overdraft interest rate from "daily rate of 0.035% to 0.05% (annual rate of 12.7750%-18.2500%)" to "daily rate of 0%-0.05%, approximating an annual rate of 0%-18.25%" [1]. Group 2: Market Implications - This adjustment allows for the possibility of a 0% overdraft rate for high-quality credit card users under extreme conditions [2]. - At least six banks have publicly disclosed or updated their credit card overdraft interest rate standards in response to competitive pressures from low-interest consumer loans [2]. - The market-oriented approach to credit card overdraft rates aims to provide lower pricing for select high-quality customer segments, allowing banks to generate interest income while facilitating healthy fund turnover [2].