江南时报讯 美好未来不是等来的，而是靠主动规划"养"来的。10月26日,中信银行"未来来信"互动体验展南京站将在京东MALL南京大明路店正式启动。 在"未来来信"活动开幕同期，中信银行信用卡联合京东MALL创新场景金融服务，为场景内的消费者提供一站式的金融消费体验，从"即申即办即享"，再到 即时体验免息分期、支付满减、国补加码、达标有礼等多重优惠，让中信银行信用卡有温度的服务成为该场景生态下的用户首选。据介绍，持卡人在南京京 东MALL消费，通过银联分期可获享免息分期满额最高减150元；通过云闪付APP可获享单笔满额最高减188元；新用户再返100元；中信银行京东PLUS联名 卡达标可享京东PLUS京典年卡、20寸拉杆箱、不沾锅等礼品，进一步降低大额消费门槛，赋能消费升级。 京东MALL南京大明路店负责人表示，京东MALL实现了线上线下全渠道深度融合，双十一大促期间，消费者既能享受与京东线上同款同价同服务，还能自 由选择购物方式，可在门店现场先体验真机再扫码线上下单，叠加国补和专属门店优惠，给消费者带来更大实惠和更好购物体验。 本次活动以"美好未来，提前养起来"为核心倡议，通过构建"健康、工作、娱乐、爱"四大 ...

Group 1 - The core viewpoint of the articles highlights a significant reduction in credit card benefits across various banks, driven by cost pressures and a shift in the banking industry's strategy towards high-value customers [1][3][4] - The changes in benefits have led to customer dissatisfaction, with many users expressing their frustration on social media and even canceling their cards [5][6] - The credit card market is entering a phase of stock competition, with many banks experiencing negative growth in card issuance and a decline in transaction volumes [4][6] Group 2 - Banks are facing cost pressures due to narrowing interest margins, declining transaction amounts, and rising customer acquisition costs, prompting a need for efficiency [3][4] - The reduction in benefits is seen as a short-term cost-cutting measure, but it risks losing high-net-worth customers who are sensitive to service quality [5][6] - To retain high-value clients, banks are encouraged to offer personalized services and higher-yield products, moving away from traditional benefits [6][7] Group 3 - The industry is transitioning towards "data-driven services and scenario-based benefits," with banks innovating through co-branded cards and tailored offerings to enhance customer loyalty [7][8] - By leveraging big data, banks can provide customized products and services, increasing credit card usage frequency and overall customer satisfaction [8]