Card issuance rate is one of the important indicators of bank credit card business, which refers to the number of credit cards held by each customer. The negative growth of card issuance rate means that the growth rate of credit card customers is slower than that of credit card issuance, that is, the amount of card issuance decreases at the same time. This may be due to the intensification of competition and the decline of customer credit status.

The profit of bank credit card business mainly comes from cardholders' consumption and loans. If the card issuance rate is negative and the number of cardholders is limited, it means less consumption and loans, which will affect the profitability of bank credit card business. Therefore, banks need to face this situation and take a series of effective measures to prevent their business from continuing to decline.

Faced with the negative growth of card issuance rate, banks can take various measures to improve business efficiency. For example, banks can attract more customers by optimizing the design of credit card products, while improving the stickiness and loyalty of customers. In addition, banks can promote business development by increasing the consumption and loan restrictions of credit card holders. In addition, marketing and promotion activities can be carried out to attract more customers and improve the card issuance rate, so that the credit card business can develop steadily for a long time.