智通财经10月31日讯（记者 彭科峰）今日，智通财经记者统计多家上市银行三季报发现，截至9月末， 招商、交通、中信等多家大行的信用卡贷款均相比年初大幅缩水，且部分银行信用不良也在增长。这一 势头，与半年报趋势基本一致。 在业内人士看来，信用卡贷款的收缩，客观上和居民负债意愿放缓等因素相关。不过，信用卡业务依然 是银行的重点方向，目前一些银行正在围绕老年消费、互联网联名等方式积极拓宽业务。 多家银行前三季信用卡贷款仍在负增长 中信银行在三季报中披露，该行信用卡贷款余额4649.20亿元，较上年末减少237.96亿元，下 降4.87%。另外，从已经披露详细数据的银行来看，有部分银行三季度末的信用卡贷款不良 总量相比年初仍在上升。 "其实城商行的情况也不乐观。尽管没有公开披露，但目前很多上市银行三季度的信用卡消费也出现了 明显负增长。"某上市银行人士向智通财经记者表示，就该行的情况来说，今年前九月的信用卡消费相 比年初也有明显缩水，并且三季度的信用卡贷款数据同比也近乎腰斩。"关键因素还是大环境的影响， 一些客户提前消费的习惯有所改变。" 行业期待周期回暖 银行"花招百出"拓展信用卡业务 从智通财经记者走访的情况来看 ...

A blowout quarter and a premium customer mix are forcing the market to revisit what this franchise is worth.American Express (AXP 0.70%) is a global payments company with a different model from the card networks most investors know. Unlike Visa and Mastercard, which mainly run transaction networks and avoid lending, American Express issues cards, extends credit, and earns meaningful fee income from premium customers. That difference mattered on Friday, when shares jumped after the company posted strong thir ...

Core Insights - American Express (AXP.US) reported Q3 earnings that exceeded expectations, with revenue of $18.43 billion, a year-over-year increase of 10.8%, and non-GAAP EPS of $4.14, surpassing market forecasts [1] - The company launched an updated version of its Platinum Card, which saw initial demand exceed expectations, doubling account acquisition compared to pre-update levels [1] - The company raised its annual revenue guidance, now expecting a growth of 9% to 10%, with EPS projected between $15.20 and $15.50, compared to market expectations of 8.95% and $15.34 respectively [2] Revenue and Earnings - Q3 revenue reached $18.43 billion, reflecting a 10.8% increase year-over-year [1] - The company’s Q3 billings amounted to $421 billion, exceeding analyst expectations of $415.2 billion [1] - Full-year revenue guidance was raised, with the lower end now set at 9% growth [2] Expenses and Costs - Consolidated expenses for the quarter rose to $13.3 billion, slightly above analyst estimates of $13.03 billion, attributed to increased user engagement costs related to travel and lifestyle benefits [2] - The increase in expenses was noted to be lower than the growth in earnings [2] Credit Quality - The CEO emphasized that despite market concerns regarding credit conditions, the company maintains excellent credit quality [3]