Core Viewpoint - The article promotes a special promotional event by Ctrip for users of the 62-starting Dragon Card credit card, offering discounts and interest-free installment options for travel purchases during the winter season [2][9]. Group 1: Promotional Details - The promotional period runs from December 1, 2025, to March 31, 2026 [5]. - Users can enjoy discounts based on their purchase amounts: a discount of 15 yuan for purchases over 500 yuan, 100 yuan for over 2000 yuan, and 300 yuan for over 6000 yuan [9]. - The maximum number of users eligible for each discount tier is set at 11,000 for the 15 yuan discount, 6,000 for the 100 yuan discount, and 4,000 for the 300 yuan discount [11]. Group 2: Eligibility and Participation - The promotion is available to holders of the 62-starting Dragon Card credit card (excluding business and special installment cards) who register as Ctrip members [7]. - Each user can only enjoy the discount once per tier, and the discounts cannot be combined [11]. - Users must use their own devices and accounts to participate in the promotion [11]. Group 3: Refund and Terms - If a transaction benefiting from the discount is refunded, the rules state that full refunds will result in the loss of the discount, while partial refunds may allow the user to retain the discount if the remaining order amount exceeds the promotional threshold [11].

Core Insights - The consumer market in Beijing is experiencing a surge in enthusiasm as summer approaches, with significant increases in tourist numbers and spending during the "May Day" holiday [1] - Financial institutions in Beijing are actively promoting consumption through various initiatives, including scenario-based services, consumer subsidies, and enhanced benefits [1] Group 1: Consumer Spending Data - During the "May Day" holiday, Beijing received a total of 17.9 million visitors, representing a year-on-year increase of 5.6% [1] - The total tourism expenditure reached 20.98 billion yuan, marking a year-on-year growth of 6.9% [1] Group 2: Financial Institutions' Initiatives - Industrial and Commercial Bank of China (ICBC) launched a cashback promotion for credit card users, enhancing consumer benefits [1] - ICBC offers a blind box lottery for credit card users who spend over 10,000 yuan, with prizes ranging from 6 to 666 yuan [2] - ICBC also provides a cashback program for overseas spending, offering up to 10% cashback on eligible transactions [4] Group 3: UnionPay's Consumer Promotions - UnionPay is enhancing daily consumer experiences with various discounts and subsidies, including an 80% discount on dining through its app [5][6] - Users can enjoy a discount of 6 yuan on purchases over 60 yuan at supermarkets and 2 yuan on purchases over 20 yuan at convenience stores [7] Group 4: Bank Collaborations and Offers - China Bank is collaborating with Alipay to provide multi-scenario consumption subsidies, including discounts in specific commercial areas [8] - During the promotional period, users can receive discounts at various restaurants and cafes when using China Bank credit cards through Alipay [9][10] Group 5: Agricultural Bank's Consumer Incentives - Agricultural Bank is offering dual subsidies for consumers purchasing subsidized products on JD.com, providing additional discounts for credit card payments [13] - The bank has partnered with NIO to offer attractive financing options for electric vehicle purchases, including low down payments and interest-free installments [14] Group 6: Community Initiatives - Huaxia Bank is participating in the "Food in Chaoyang" restaurant coupon initiative, providing additional bank-funded vouchers to stimulate local dining [14] - The bank aims to enhance consumer engagement and support the growth of the local economy through innovative financial services [14]