Core Insights - The central theme of the news is the ongoing decline in credit card issuance in China, contrasting with the growth in overall bank card numbers, indicating a shift in consumer behavior and banking strategies [1][3][4]. Group 1: Overall Payment System Performance - As of the end of Q3 2025, a total of 10.149 billion bank cards were issued in China, reflecting a quarter-on-quarter increase of 0.8% and a year-to-date increase of 2.36 billion cards [1][3]. - The number of debit cards reached 9.442 billion, with a quarter-on-quarter growth of 0.94% and a year-to-date increase of 2.56 billion cards [1][3]. - In contrast, the number of credit cards and combined lending cards fell to 707 million, down 8 million from the previous quarter and 20 million from the end of last year, marking a decline of 100 million from the historical peak of 807 million in Q3 2022 [1][3][4]. Group 2: Credit Card Trends - The decline in credit card issuance has been consistent, with a reduction of 8 million cards in Q3 2025 alone, and a total decrease of 10 million cards over the past three years [2][3]. - The average number of credit cards held per person has also decreased since 2023, indicating a broader trend of reduced credit card usage [4][6]. - Regulatory pressures and changing consumer demand are contributing factors to the cautious approach banks are taking towards credit card issuance, as highlighted by Deloitte's report [7][8]. Group 3: Transaction and Usage Statistics - In Q3 2025, the total number of bank card transactions reached 165.278 billion, representing a quarter-on-quarter increase of 12.69%, with transaction amounts totaling 234.92 trillion yuan, up 3.63% from the previous quarter [10][11]. - The number of electronic payment transactions processed by banks was 83.455 billion, with a total value of 94.54 trillion yuan, indicating robust growth in digital payment methods [12][13]. - Notably, the number of ATMs has continued to decline, dropping to 760,900 units by the end of Q3 2025 [1][13].

"信用卡不香了""高端卡权益缩水"……7月以来，信用卡市场调整更为频繁。 中信银行信用卡权益缩水 近期，中信银行等多家银行信用卡发布公告称，将调整停发部分信用卡，其中多数为联名卡。 同月，招商银行、光大银行、浦发银行等多家银行相继官宣部分高端卡产品权益及活动更新，主要涉及提高使用门 槛、调整积分规则、削减高端权益等。此外，年内获批终止营业的银行信用卡分中心已超40家，仅7月便有5家银行信 用卡分中心关闭。 值得注意的是，早在去年9月，中信银行就公告调整中信银行银联i白金信用卡"i白金专属36+1新生活"交易权益规则， 调整后获取交易权益点除要求满足每月交易金额外，还新增了其中银联渠道交易金额的限制。 中信银行客服承认所有活动和权益"不是一成不变"，银行会根据经营策略调整，但这一做法无疑大幅削弱了用户粘 性。 行业分析人士分析，银行信用卡权益"缩水"原因或在于"降本"。结合财报数据来看，大多银行信用卡规模与业绩双 降。调整权益服务一方面可能是应对市场环境周期性变化，但更多可能是经营效果未达到预期，信用卡投入与预计产 出不匹配。 信用卡不良率攀升 从数据来看，中信银行信用卡贷款余额、交易量、收入均出现不同程度下滑 ...