白金信用卡权益大缩水：贵宾厅限次、酒店减量⋯⋯银行吐槽没赚头，"羊毛党"薅了个寂寞 记者｜李玉雯 "每年可兑换的酒店权益只剩一晚，在机场的自营贵宾厅服务也没了。" 手持多家银行高端信用卡的资 深用户小钟，对着已"缩水"的权益列表感叹道。这并非个例，小钟手上有数张不同银行的高端卡，但权 益均有不同程度缩水。 酒店、机场贵宾厅、接送机、里程兑换、健康权益⋯⋯这些曾经定义高端信用卡尊贵体验的核心权益， 正在被银行逐一重新打量。年末将至，多家银行密集发布公告，对明年高端卡权益进行削减或抬高门 槛：无限次贵宾厅变为限量，积分兑换门槛抬高，附属权益悄然消失。 权益收缩风暴背后，是银行难以言说的"亏本账"。一次接送机成本数百元，而国内刷卡回佣率仅约 0.3%，若客户仅做支付工具、不分期贷款，银行几乎无利可图。更有"羊毛党"套利，进一步侵蚀利润空 间。 业内人士坦言："单就信用卡业务看，高端卡其实不赚钱。"但作为识别高价值客户、撬动财富管理业务 的"金钥匙"，高端卡并非独立盈利单元。 如何提升整体收益？在这场规模扩张转向存量经营的行业变局中，高端卡的故事，正在悄然改写⋯⋯ 权益收缩：贵宾厅限次、刷卡金提升兑换门槛 普卡、金卡 ...

Core Insights - American Express (AXP.US) reported Q3 earnings that exceeded expectations, with revenue of $18.43 billion, a year-over-year increase of 10.8%, and non-GAAP EPS of $4.14, surpassing market forecasts [1] - The company launched an updated version of its Platinum Card, which saw initial demand exceed expectations, doubling account acquisition compared to pre-update levels [1] - The company raised its annual revenue guidance, now expecting a growth of 9% to 10%, with EPS projected between $15.20 and $15.50, compared to market expectations of 8.95% and $15.34 respectively [2] Revenue and Earnings - Q3 revenue reached $18.43 billion, reflecting a 10.8% increase year-over-year [1] - The company’s Q3 billings amounted to $421 billion, exceeding analyst expectations of $415.2 billion [1] - Full-year revenue guidance was raised, with the lower end now set at 9% growth [2] Expenses and Costs - Consolidated expenses for the quarter rose to $13.3 billion, slightly above analyst estimates of $13.03 billion, attributed to increased user engagement costs related to travel and lifestyle benefits [2] - The increase in expenses was noted to be lower than the growth in earnings [2] Credit Quality - The CEO emphasized that despite market concerns regarding credit conditions, the company maintains excellent credit quality [3]