1985, Bank of China issued the first credit card. The consumption concept of "consumption first, then payment" promoted the development of credit card-related business, but it really entered the wallets of ordinary people after 2000. From June 5438 to February 2002, China Merchants Bank officially issued the first international standard dual-currency credit card in China, which opened a new era of Chinese credit card consumption.
In the new era of weakening external demand, we must grasp the strategic basis of expanding domestic demand and promote the new development pattern of domestic and international double circulation. As one of the engines to promote the growth of banking business, domestic consumption will be the internal driving force to promote the high-quality development of the national economy. Relevant data show that in the first half of 20021,China's GDP increased by 12.7% year-on-year, and the per capita disposable income of the national residents actually increased by 12.0% year-on-year. Residents' income growth is basically synchronized with economic growth, which provides strong support for consumption. The total retail sales of social consumer goods was 21190.4 billion yuan, a year-on-year increase of 23.0%. At the same time, the "20021General Situation of Payment System in the Second Quarter" issued by the central bank shows that by the end of the second quarter, there were 790 million credit cards and debit cards in China, up by 4.5% year-on-year, with 0.56 credit cards and debit cards per capita. Compared with 2020, because the society is relatively unaffected by epidemic factors, the development of bank credit cards shows an overall upward trend.
a workman must first sharpen his tools if he is to do his work well
"Sharpening the knife does not mistake the woodcutter". If you want to accomplish something successfully, you need to create conditions under the premise of following objective laws. The Notice of the People's Bank of China on Promoting the Market-oriented Reform of Credit Card Overdraft Interest Rate officially released the upper and lower limits of credit card overdraft interest rate at the beginning of the year, and its target customer base also expanded accordingly, which means that the profit model of commercial banks' credit cards should not simply rely on "staking the land", but should be transformed into digitalization. Although the amount of new credit card issuance is not what it used to be, with the rise of new consumption wave, there will still be "increments" in various market segments.
In the era of experience economy, in which services are the stage and goods are the props to integrate customers, in order to effectively consolidate and expand customer relationships, enhance customer retention and improve customer satisfaction, we must rely on information technologies such as big data to deeply tap the individual needs of customers. Therefore, digital and intelligent technology provides strong support for improving industry efficiency, expanding enterprise benefits and optimizing user needs. The early credit card market mainly relied on offline outlets and salesmen to promote sales, with a single level of products and scenarios. With the development of mobile internet and financial technology, today, the credit card market has changed from a dispute between tools and platforms to an ecological dispute.
Driven by related technologies, smart terminals such as mobile phones and wearable devices have gradually become the main entrance to reach services and perceive ecology, and mobile payment has become more and more pervasive in life scenes such as eating, drinking and having fun. CITIC Bank Credit Card actively embraces market changes and deeply lays out the mobile phone ecology. The launch of Huawei Card marks that after the era of physical card 1.0 and the era of binding third-party payment 2.0, credit cards have officially entered the era of combining credit cards with mobile phones and become real "credit cards in mobile phones". CITIC Xiaomi's discovery card is the latest move of CITIC Bank to promote the process of credit card 3.0.
Change the site traffic to "reserved"
Enlightenment from Where is the Pony Pearl? With the help of hot IP topics, the credit card issuance of Postal Savings Bank has created an interesting brand marketing of credit cards, breaking the conventional barriers of previous marketing and making it three-dimensional. Since ancient times, horses have been closely related to postal services. Before 1700, Yima worked very hard in the postal service. The appearance of Pony Pearl not only meets the consumption characteristics and needs of major consumer groups, but also helps to attract and retain customers. It also symbolizes the continuation of the down-to-earth spirit of the credit card of the Postal Savings Bank.
Ping An Bank started the operation mode of precision agriculture for different customer groups, and covered a wider range of financial service scenarios and extended the full-cycle service depth through the "eight customer groups" business plan. For example, Ping An Yue enjoys the Platinum Credit Card with the theme of "Infinite Youth", so that Ping An Credit Card that "plays together" keeps the same frequency with contemporary young people who hold the consumption concept of "spending money, but it does not mean spending money indiscriminately", and accurately hits the core needs of emerging consumers through the all-round layout of online and offline consumption scenarios. At the same time, the global marketing activity "88 every day in the whole city" was successfully held for three seasons, and a complete ecological pool was laid out: credit cards accurately positioned customer groups and scenarios; Obtain merchant Ping An credit card subsidies to increase passenger flow; Customers get benefits in the process of consumption; Ping An Credit Card has gained more customers and consumption, and turned traffic into retention through high-frequency interaction.
In short, users are willing to pay the bill no matter how technical services are updated. The essence is to bring them a convenient lifestyle and a beautiful life experience.
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With the rise of a huge group of young customers and their gradual transformation into the main force of the consumer market, the credit card consumption field has ushered in new industry changes and business restructuring, and the changes are always at the right time. The growth of an enterprise is a long-distance running that tests endurance. We should see that it is arduous and glorious for enterprises to keep pace with the times and be determined to innovate under the complicated and obscure proper terms and colorful marketing activities.
Related Q&A: Businesses with large credit card spending should be diversified, and spending time is also very important. For example, around 8 pm, you spend a lot of money on building materials wholesale, household appliances and so on. These situations are unreasonable. Only KTV, bars, teahouses, teahouses, nightclubs and hotels are available for consumption at night. These industries are policies, and these industries can also spend a lot. Pay attention to time and merchants when spending by credit card. Time: morning: hotels, restaurants, breakfast shops, etc. Morning: supermarkets, electrical appliances, building materials markets, etc. At noon: restaurants, department stores, clothing stores, clothing markets, etc. Afternoon: gold jewelry store, gift shop, etc. And at night: KTV, nightclubs, bars, teahouses, leisure and health care, etc. According to the current national policy, there is generally no problem for all merchants to conduct large transactions. The main thing is not to jump the code, not to set the code, fake businesses can do it.