As competition in China's credit card market becomes increasingly fierce, high-end customers with strong spending power and good reputation have become the focus of competition for various banks in recent years. From the emergence of private financial advisors, to the opening of private banks, to the launch of various financial products, including high-end credit card products, the carving up of the high-end market has become increasingly fierce. Behind this phenomenon is the profit margin generated by the market. Euromonitor China's New Rich Market and Media Research (2005-2007) data shows that the number of wealthy households with an annual household income of more than US$75,000 increases by an average of 0.01 percentage points every two years. Every 0.1 percentage point increase means a new generation of more than 100 billion US dollars. Yuan consumer market. The survey data of China Merchants Bank's credit cards further shows that the consumption contribution of its high-end customer group is far more than 20 times that of the general customer group.

Therefore, after the launch of China Merchants Bank Platinum Card, it is natural that various banks are vying to seize the market. As for China Merchants Bank, experts believe that compared with other banks' efforts to seize the market, as a leading brand in the industry, the more accurate significance of its launch of unlimited credit cards lies in its in-depth segmentation of the high-end market and in-depth management of high-end customers. It is the leading bank in China. Another landmark event for credit cards to mature. The person in charge of China Merchants Bank’s Credit Card Center said: “We conduct in-depth research on the consumption characteristics and preferences of high-end customer groups through annual platinum customer satisfaction surveys, in-depth surveys of target customers and analysis of customer consumption systems, and accurately understand the places they visit most frequently. Merchants, the most popular social activities, the most concerned business travel services and other information, and use this as a basis to comprehensively select the most suitable industries and merchants for negotiation and cooperation, so as to provide these elites with the most suitable needs and the industry is still Relatively scarce, truly top-notch products and respected services.” A survey report from China Merchants Bank’s credit card found that among the merchants with the largest proportion of high-end customers’ credit card consumption, there is a clear preference for department stores, airlines and restaurants; among the top 50, credit cards are often used. Among the clubs, golf clubs account for up to 80%. I believe this is also a strong data support for the business travel services and golf-playing functions of CMB Infinite Credit Card, which also proves the database marketing strategy behind CMB’s credit card products.

China Merchants Bank is one of the most innovative and brand-influential banks in China, and its credit card business is ahead of its domestic peers. As of the end of last year, China Merchants Bank had issued nearly 21 million credit cards, and the cumulative consumption amount in 2007 exceeded 130 billion yuan. While cards are growing rapidly and card consumption is increasing, China Merchants Bank is continuously deepening the comprehensive innovation and value enhancement of products, functions and services through the establishment of five-layer security guarantees and the revision of the information platform for consumption receipts. In January 2008, China Merchants Bank Credit Card was once again ranked as the most popular "RMB Wealth Management Bank" and "Bank Credit Card" on the Hurun Rich List, for the fourth consecutive year. In the face of various praises and awards from all walks of life in the five years since its entry into the market, the honorable China Merchants Bank Credit Card has not been satisfied with the status quo. Instead, it has established a higher and updated goal of "persisting in creating world-class credit card service quality" and is moving towards this goal. Move forward actively with one goal in mind.