Core Viewpoint - The emergence of personalized debit card services by banks reflects a shift in the retail banking sector from expansion to a focus on customer retention and differentiation in services [1][3]. Group 1: Personalized Debit Card Services - Jilin Bank has announced a new fee structure for its DIY debit card services, with costs ranging from 100 to 800 yuan per card, and a premium package costing over 1000 yuan [1]. - Other banks, including Industrial and Commercial Bank of China and Bank of Communications, have also introduced personalized card services, with some options priced as high as 5000 yuan [2]. - The trend of personalized card services indicates a growing market for customized banking products, appealing to customers' emotional and identity needs [3]. Group 2: Market Trends and Competition - The credit card market has seen a decline, with the total number of credit cards dropping by 40 million in 2024, leading to a total of 721 million cards by the end of Q1 2025 [2]. - Over 40 banks have closed their credit card centers this year, highlighting the competitive landscape and the shift towards retaining existing customers rather than acquiring new ones [3]. - Experts suggest that banks should focus on data-driven services, digital transformation, and optimizing risk management to enhance customer experience and asset quality [4].