51 The reason for the success of credit card is that it has opened up a consumer finance model outside the scene. Households have always been the core driving force of 51. Around this, 51 credit cards are constantly operating in a refined way, and they strive to accurately perceive the potential needs of users throughout the link. They have seen the huge market of consumer finance and opened up a consumer finance model outside the scene. Instead of gathering users' needs through the scene, they focus on the development of consumer financial products such as credit and wealth management through the aggregation of users with bill management attributes.