It is difficult to sell credit cards of Hua Xia Bank

Credit cards belong to the service industry and have product characteristics in the service industry.

First of all, service products have the attributes of experience economy, and maximizing customer contribution comes from the customer's own satisfaction and repeated consumption of the service. Secondly, services are difficult to standardize and have characteristics such as standardized heterogeneity or variability.

Finally, due to the intangible nature of services, they generally lack patent protection and are easy to copy, resulting in too fierce market competition.