data
Last year, more than 654.38 billion credit cards were added.
Year-on-year growth of 20%
The "20 17 Bank Credit Card Development Report" recently released by the online financial search platform shows that in 20 17, 654.38+23 million credit cards were added nationwide, up by 25.82% year-on-year, and the credit card market was unprecedentedly prosperous.
Enjoy 50% off food, watch movies 10 yuan, wash cars 1 yuan ... All kinds of credit card discounts can be seen everywhere, which is very attractive to citizens who often eat, drink and have fun in shopping malls.
"I got a credit card from Bank of Communications last week, because I can enjoy a 50% discount when I go to many restaurants every Friday, and I can also get a discount when I refuel my car." Card friend Xiao Chen said.
reform
Rub hot spots and follow the trend
Strive for young people
A credit card business manager said that in order to attract customers to apply for credit cards, high-quality merchants in major shopping malls have always been the focus of bank credit card concessions. At present, credit card issuance mainly focuses on young customers, so in addition to investing more in finding offline cooperative merchants, it will also incorporate various factors that young people like when developing credit cards.
On May 24th, four banks issued five new credit cards, namely Mimeng Card of Shanghai Pudong Development Bank, Meng Jing Credit Card of Shanghai Pudong MasterCard, Karry Credit Card of ICBC's new limited edition, Guangfa Shenzhou special car co-branded card, and PP video co-branded card of Industrial Bank, all of which basically incorporated popular factors such as network celebrities, stars and traffic platforms.
observe
Give up sweeping mode
Online card issuance has become mainstream.
It is understood that the last round of large-scale promotion of credit cards by commercial banks was around 20 12. At that time, it mainly relied on third-party card issuing companies to enter the office building for promotion, commonly known as "sweeping the building".
It is worth mentioning that from the 20 17 annual report disclosed by major banks, since last year, a new round of card-issuing war has abandoned the low-cost and high-efficiency sweeping mode and turned to financial technology such as big data and industrial intelligence, and issuing cards through online channels has become the mainstream mode.
For example, the credit card approval of Ping An Bank and Minsheng Bank adopts new processes and technologies such as segmented approval and face recognition. The automation ratio of the platform exceeds 80%, and the approval time is greatly improved. This seems to be the basis for the two banks to promise to review the cards in five minutes at the earliest. State-owned banks are also trying new ways. For example, Bank of Communications and Agricultural Bank have launched virtual credit card products.
According to the statistics of third-party organizations, the number of online credit cards issued by banks in 20 17 exceeded 60%, and online credit card applications became the mainstream.