"这一动作更大的意义在于，打破了长期以来信用卡透支日利率0.05%的'一口价'标准。"一位资深信用 卡人士向《财经》表示，目前另有多家银行在信用卡领用协议中，对信用卡透支利率标准进行了优化。 在信用卡市场整体趋于饱和、银行降本增效的背景下，近年发卡银行普遍转向存量经营，透 支利率下限调整意在通过减少持卡人利率支出，从而吸引其使用 使用信用卡刷卡消费1万元，免息期后，若你选择先还款1000元，那根据银行长期执行的息费标准，你 需要按照日利率0.05%支付利息，直至欠款清偿为止。不过现在，即便没有全额还款，你也有一定几率 得到免息。 8月中旬，光大银行调整信用卡透支利率收取标准，由"日利率0.035%-0.05%"调整为"日利率 0%-0.05%"，这意味着优质信用卡用户有望获得最低0%的透支利率，该标准于9月29日起正式生效。不 过，在9月28日最新公告中，该行删除了对应的下限利率，将表述调整为"日利率不超过0.05%"。 事实上，早在2021年，信用卡透支利率上下限管理就已取消，但此后信用卡市场仍整体保持"日利率 0.05%"的标准，在近年信贷产品降息潮下显得尤为刚性，为何在此时打破标准？ 多位受访者称，在信 ...

Core Viewpoint - Everbright Bank has adjusted its credit card overdraft interest rates, allowing some high-quality customers to enjoy a 0% overdraft rate, reflecting a response to regulatory push for market-oriented pricing in credit card overdrafts [1][2]. Group 1: Regulatory Changes - The People's Bank of China is promoting the marketization of credit card overdraft interest rates, having removed upper and lower limits on these rates since January 1, 2021 [2]. - Recent modifications to regulatory documents indicate a shift towards more flexible pricing for credit card products, enabling banks to differentiate rates based on customer profiles [2][3]. Group 2: Current Market Trends - Despite regulatory encouragement, the overall pace of adjustment among banks remains slow, with many still applying a uniform overdraft rate of 0.05% [3]. - Some banks, like Guangfa Bank and Kunlun Bank, have set their overdraft rates between 0% and 0.05%, while others maintain a standard rate but allow for adjustments based on customer creditworthiness [3]. Group 3: Industry Outlook - Industry experts believe that the credit card market is entering a phase of stock competition, where differentiated pricing can enhance customer loyalty and attract high-quality clients [4]. - The overall credit card business is experiencing contraction as some customers shift to lower-rate consumer loans, despite a general decline in lending rates for other products [4][5]. - Banks are moving away from aggressive expansion strategies and are focusing on refined operational models, emphasizing detailed customer management [6].

Core Viewpoint - Everbright Bank has adjusted its credit card overdraft interest rate, allowing some high-quality customers to enjoy a 0% overdraft rate, reflecting a response to regulatory push for market-oriented pricing in credit card overdraft rates [1][2]. Group 1: Market Changes - The new interest rate standard for credit card overdrafts is set at a daily rate of 0% to 0.05%, approximating an annual interest rate of 0% to 18.25% [1]. - The People's Bank of China has removed the upper and lower limits on credit card overdraft rates, allowing banks to set rates based on negotiations with cardholders [2]. - The overall adjustment pace of credit card overdraft rates among banks has been slow, with many banks still applying a uniform daily rate of 0.05% regardless of customer qualifications [2][3]. Group 2: Industry Trends - The credit card market is entering a phase of stock competition, where differentiated pricing of overdraft rates can enhance customer loyalty and attract high-quality clients [3][4]. - The number of credit cards issued has decreased, with 715 million cards in circulation as of the end of the second quarter, reflecting a downward trend [3]. - Banks are shifting from a rapid expansion model to a more refined operational approach, focusing on detailed user management [4].

本报（chinatimes.net.cn）记者李明会 北京报道 信用卡用户精细化运营时代要来了。 某股份行日前发布公告称，拟对信用卡透支利率收取标准由"日利率万分之三点五至万分之五"调整 为"日利率0%-0.05%，按照单利算法近似折算年利率为0%-18.25%"，该调整将于9月29日起生效。 《华夏时报》记者注意到，这也是业内第一次有银行公开发布声明，打破"日利率万分之三点五至万分 之五"这一上下限范围，并且下限在被打破的同时，日利率更是低至0，这或意味着优质信用卡客户无需 为透支利息买单。 9月28日，该行客服对《华夏时报》记者表示，具体透支利率如何定价由系统根据客户情况综合评 定。"如果您希望降低透支利率，建议您多使用我行信用卡并按时还款，保持良好的信用记录。" 探索差异化市场定价 "信用卡透支利率可以出现完全的差异化市场定价，成为中国信用卡产业发展三十多年来对透支利率市 场化的一次重大变革，一定程度上为信用卡业务实现了松绑。"资深信用卡专家董峥在接受《华夏时 报》采访时表示，不过，在随后的业务实践中，落实这一政策的发卡银行并不多，并没有在业内形成热 潮。 直至今年8月29日，央行发布公告，拟对《电子支 ...

有资深信用卡专家透露， 在本轮调整中目前已有至少6家银行在公开信披渠道或信用卡领用协议中，对信用卡透支利率标准进行优化。 "面对消费贷 低利率优势的冲击，信用卡透支利率市场化可以针对一部分优质客群提供比现行标准较低的定价，在考虑资金良性周转前提下透支信用卡支付，为 银行获得相应的利息收益，这是信用卡业务差异化经营的一种体现。" 据21财经， 多家银行近日对信用卡透支利率标准进行调整，打破0.05%的透支利率标准。 光大银行近期发布的公告显示，该行将信用卡透支利率收取标准由"日利率万分之三点五至万分之五（年利率12.7750%-18.2500%）"调整为"日利率 0%-0.05%， 按照单利算法近似折算年利率为0%-18.25%" 。这一优化调整将于9月29日起正式生效。 这意味着极限情况下， 优质信用卡用户有望获得最低0%的透支利率。 ...

Core Viewpoint - The credit card industry is entering a phase of stock reduction, prompting banks to adjust credit card overdraft interest rates to enhance customer engagement and competitiveness in the face of declining transaction volumes and rising competition from consumer loans [2][4][6]. Group 1: Interest Rate Adjustments - Several banks, including Everbright Bank, have revised their credit card overdraft interest rates, breaking the previous standard of 0.05% [2]. - Everbright Bank's new rate structure allows for a daily interest rate of 0%-0.05%, translating to an annual interest rate of 0%-18.25%, effective from September 29 [2][4]. - This adjustment may enable high-quality credit card users to access a minimum overdraft interest rate of 0% under optimal conditions [4]. Group 2: Market Dynamics - The central bank's recent announcements signal a move towards the marketization of credit card overdraft rates, with plans to remove existing upper and lower limits on these rates [5]. - The push for marketization has been ongoing since 2020, with the central bank advocating for the removal of interest rate caps to allow for more flexible pricing based on negotiations between issuers and cardholders [5][6]. - The decline in credit card usage and transaction volumes has prompted banks to seek ways to retain existing customers through optimized interest rates and enhanced service offerings [6][8]. Group 3: Financial Implications for Banks - The number of credit cards and combined loan cards has decreased by 92 million since 2022, with many banks reporting declines in credit card loan scales and transaction volumes [8][11]. - In the first half of the year, 16 major banks reported a reduction in credit card loan scales by 194.5 billion yuan, indicating a broader trend of declining credit card business [11]. - Despite the challenges, some banks, like China Merchants Bank, maintain stable pricing strategies for credit card interest rates, focusing on risk-based pricing and consumer protection [9][10]. Group 4: Customer Engagement Strategies - Banks are implementing various strategies to enhance customer value, such as increasing credit limits, reducing fees, and offering more benefits to attract high-quality customers [10]. - For instance, China CITIC Bank reported that 55.48% of new credit card customers in the first half of the year were high-quality clients, reflecting a shift towards targeting more profitable customer segments [10].

近日，多家银行对信用卡透支利率标准进行调整，打破0.05%的透支利率标准。光大银行（601818）近期发布的公告显示，该行 将信用卡透支利率收取标准由"日利率万分之三点五至万分之五(年利率12.7750%-18.2500%)"调整为"日利率0%-0.05%，按照单 利算法近似折算年利率为0%-18.25%"。这一优化调整将于9月29日起正式生效。 21世纪经济报道记者李览青 当信用卡行业进入存量甚至"减量"阶段，用户精细化运营终于来到信用卡透支利率标准方面。 有资深信用卡专家向21世纪经济报道记者透露，在本轮调整中目前已有至少6家银行在公开信披渠道或信用卡领用协议中，对信 用卡透支利率标准进行优化。 "面对消费贷低利率优势的冲击，信用卡透支利率市场化可以针对一部分优质客群提供比现行标准较低的定价，在考虑资金良性 周转前提下透支信用卡支付，为银行获得相应的利息收益，这是信用卡业务差异化经营的一种体现。"他表示。信用卡利率市场 化更进一步 信用卡透支利率市场化改革的政策信号，并非是从今年开始的。 8月29日，央行发布公告，拟对《电子支付指引(第一号)》等4件规范性文件进行修改，并向社会公开征求意见，其中提及删 除 ...

什么是信用卡透支利息？通常而言，持卡人在免息还款期内未全数偿还信用卡账户账单内全部欠款的， 全部欠款不适用免息还款规定，对不符合免息条件的全部欠款，银行以透支交易记账日为起息日收取利 息，此为透支利息。 《每日经济新闻》记者近日翻阅了多家国有行和股份行的信用卡领用合约，各家银行对透支利率的表述 大致有两个版本：一种是信用卡透支利率标准为日利率0.035%至0.05%之间；另一种是信用卡透支利率 标准为日利率0.05%。但无论是哪种表述，对应的银行信用卡中心客服均告诉记者，他们实际均按照 0.05%的日利率来执行。 资深信用卡专家董峥接受《每日经济新闻》记者采访时表示，下调信用卡透支利率，对能够全额还款的 客户可能影响有限，但此举可以有效维护那些无法一次性全额还款而又有还款意愿的客户，减轻他们的 还款压力。 光大银行即将调整 日前，光大银行信用卡中心公告称，该行拟对透支利率收取标准进行优化调整：信用卡透支利率收取标 准由"日利率万分之三点五至万分之五（年利率12.7750% ~18.2500%）"调整为"日利率0%~0.05%，按照 单利算法近似折算年利率为0%~18.25%"。光大银行表示，该项调整将于202 ...

资深信用卡专家董峥接受《每日经济新闻》记者采访时表示，早期他仅发现昆仑银行有类似的举动，在一众银行均将信用卡透支利率定为日利率万分之五的时候，昆仑银行信用卡的透支利率是日 在他看来，下调信用卡透支利率，对能够全额还款的客户可能影响有限，但此举可以有效维护那些无法一次性全额还款而又有还款意愿的客户，减轻他们的还款压力。 8月14日，光大银行信用卡中心公告称，该行拟对透支利率收取标准进行优化调整：信用卡透支利率收取标准由"日利率万分之三点五至万分之五（年利率12.7750%~18.2500%）"调整为"日利 9月24日，《每日经济新闻》记者以客户身份致电光大银行信用卡中心客服。对方表示，在上述调整生效之前，目前光大银行信用卡透支日利率仍然按照0.05%的一贯标准来执行。"我们都是按 客服人员告诉记者，待上述调整正式生效之后，光大银行信用卡透支利率可根据客户的资信状况和用卡情况等进行动态调整，调整后日利率将可能出现低于0.05%的情况。 什么是信用卡透支利息？通常而言，持卡人在免息还款期内未全数偿还信用卡账户账单内全部欠款的，全部欠款不适用免息还款规定，对不符合免息条件的全部欠款，银行以透支交易记账日为起 《每日经 ...

制图:黄亚岚(元宝AI) 通知中指出，关于电子支付交易限额、交易纠纷处置等有关规定已不符合当前的业务实际，需进行修 改。一是删除电子支付交易限额相关规定；二是完善交易纠纷处置相关规定。 具体来看，对《电子支付指引(第一号)》(中国人民银行公告〔2005〕第23号)做出两方面修改。一是， 删除上述文件第二十五条第二款、第三款、第四款，原内容如下: "银行通过互联网为个人客户办理电子支付业务，除采用数字证书、电子签名等安全认证方式外，单笔 金额不应超过1000元人民币，每日累计金额不应超过5000元人民币。 "银行为客户办理电子支付业务，单位客户从其银行结算账户支付给个人银行结算账户的款项，其单笔 金额不得超过5万元人民币，但银行与客户通过协议约定，能够事先提供有效付款依据的除外。 "银行应在客户的信用卡授信额度内，设定用于网上支付交易的额度供客户选择，但该额度不得超过信 用卡的预借现金额度。" 此外另一方面的修改是:将第四十二条修改为"银行应当及时妥善处理与客户的争议，履行投诉处理主体 责任，切实保护用户合法权益。鼓励客户与银行之间运用调解、仲裁等方式解决纠纷"。 据悉，《电子支付指引(第一号)》发布时间是20 ...