Group 1: Core Insights - The trend of offering bicycles as incentives for credit card applications is gaining popularity in the financial sector, particularly in Beijing [1][5][14] - This promotional strategy involves multiple banks collaborating to attract new customers by providing bicycles of varying values in exchange for signing up for multiple credit cards [4][8][12] - The promotional events have seen a significant turnout, although there are concerns regarding the quality of the bicycles and the potential for excessive credit card issuance [1][12][14] Group 2: Promotional Details - Customers can receive bicycles by applying for a minimum number of credit cards, with higher-value bicycles requiring more applications; for example, a bicycle worth over 2000 yuan requires the application of 10 credit cards [4][5][11] - The promotional events are time-limited, running from September 5 to October 4, with a total of 10,000 bicycles available [5][12] - Participating banks include major institutions such as the Bank of Communications, Postal Savings Bank, and others, with staff present at the events to assist new applicants [8][12] Group 3: Market Context - The credit card business is under pressure, with a decline in the number of active credit cards and transaction volumes reported by several banks [14][15] - The People's Bank of China reported a decrease of 6 million credit cards in the second quarter of 2025, marking a continuous decline over 11 quarters [14][15] - Banks are encouraged to adapt their strategies, focusing on customer engagement and innovative product offerings to enhance credit card usage and profitability [16]

北京商报记者梳理发现，近日，包括招商银行、农业银行、建设银行、工商银行在内的多家银行推出假 期福利活动，涵盖办卡赠礼、购票立减、分期达标有礼、出境游优惠等。 招商银行注重社交裂变式营销，在推荐办卡活动上玩出花样，成功推荐亲友办理信用卡达标后即可在88 元还款金、空气炸锅、露营推车等礼品中任选其一兑换，提供的换购好物精准击中假期出行、居家生活 等场景需求。 农业银行则将目光聚焦出行场景，增加了抽奖形式。活动期间，持卡人进入活动页面，可抽取12306购 票立减金，同一客户活动期间每月可参与一次抽奖，面额分别为88、18.88、8.88、5.88、1.88元。针 对"五一"的出境游热潮，该行Visa、银联、万事达信用卡也推出了不同程度的打折、消费返现等活动。 可以看出，今年"五一"信用卡营销告别传统模式，围绕消费者对假期的多元化需求，在活动形式、优惠 力度上进行升级。建设银行龙卡信用卡将分期业务作为营销重点，推出迎五一"放肆GO"活动，分期通 支用达标最高可获700元礼券，分期支用金额满足相应档位要求，有机会在建行生活App活动页面领取 对应礼券，与该行自营App场景进行联动。与简单的消费返现不同，采用阶梯式奖励也 ...