Strong marketing of credit cards and the popularity of online payment. Displayed according to query on Sohu.com.

1. The strong marketing of credit cards that is divorced from reality is the primary reason for the low activation rate of credit cards. Since credit cards contribute significantly to bank intermediary business income, tasks are layered on top of each other and even tasks that are divorced from reality, resulting in When you apply for a bank credit card, it becomes a dormant card, and the proportion of activated users among the total users is getting smaller and smaller.

2. The indirect substitute for credit cards is the payment system of smartphones. As the penetration rate of mobile phone users further increases and 5G networks are gradually promoted, the number of mobile payment users in China is also increasing year by year.