Preferred credit card customer means: the customer's conditions fully meet the conditions for applying for the bank's credit card, and the customer is recommended to apply for the bank's credit card. However, if a user receives such information, it is usually not sent by the bank's credit card center, but by many credit card processing intermediary companies. It is very likely that there will be some false fraud information. Customers should not click on the link after receiving such text messages.

Extended information:

The reasons behind the strong promotion of credit cards

In the credit card business for so many years, consumers have experienced "asking for something" and "being asked for something" From an external perspective, the decline in share through "strong sales" is mainly due to the rapid rise of Internet finance and the impact of the convenience and speed of online credit consumption products, which has led to the rapid transformation of financial credit consumption from a "seller's market" to a "seller's market". "Buyer's market".

From an internal perspective, on the one hand, the long-standing model inertia has led to the weakening of market competitiveness. Whether it is the design of programs based on risk control or the design of profit methods, consumers’ sense of gain has been reduced. In the process of weakening, some interest calculation and billing rules have been criticized for a long time. On the other hand, it is due to the homogeneous vicious competition among banks.

The card-issuing department puts all its energy into pursuing coverage of business areas and pursuing issuance volume, rather than focusing on meticulous services and making differentiated layouts in business. In order to compete for customers, credit card "discount wars" are frequently staged, and the market order has become chaotic.

The "strong promotion" of credit cards itself has already released a signal of consumer disgust. Regardless of whether such an operation constitutes infringement or not, it has become an "unpopular" option for consumers. In fact, it is It shows that the existing model is about to be abandoned by the market.

Where the credit card business will go is probably more worthy of consideration by banks. After all, the market is constantly developing and changing. Static thinking and solidified models will eventually be submerged in the trend of the times. Extensive competitive services cannot be sustained. Only Only by promoting service transformation and model innovation, and getting closer to the changing demands of consumers for financial credit services, can we win the trust and votes of consumers.

People's Daily Online - Instead of strong sales, it is better to transform credit cards quickly