Take myself as an example. I have a bank credit card and I like to use it very much. There are many discount merchants who use credit cards around me. Even if I have cash or money on my card, I will pay by credit card first and then repay before me, so that I can earn points and exchange gifts.
Why is the credit card a bit embarrassing now? Because many products in the world can actually be said to be credit cards, but there are no physical cards. Online use is equally convenient, such as Alipay's flower buds. I've been using it, with a quota of 20,000 yuan (I found a quota of 26,000 yuan in the screenshot, but generally I don't pay much attention to the quota), and I've been using JD.COM White Strips, with a quota of more than 8,000 yuan. I use flower buds when shopping at Taobao Tmall. Generally, I use flower buds for breakfast and dinner, and I will pay them in one lump sum when due. When shopping in JD.COM Mall, I will choose to pay by installment (JD.COM has that kind of 12 installment free goods), so 12 installment is not very stressful, and I think it is very convenient to use.
These are just some apps I'm using, dividing credit card cakes. I wonder if I haven't used it. There must be more. All the traditional credit card markets are carved up by the credit card products of these internet giants, so I think credit cards are still a bit embarrassing.
If you don't make changes, it will be difficult to develop.
If you say that the credit card is in an awkward position, it means that you don't understand the credit card industry yet. At present, the status of credit card is not embarrassing, and it is also a battleground for bank strategists, and it also has a very important position for ordinary users. If the credit card business is stopped, it will not only be a huge loss for banks, but also a loss for customers.
As for the embarrassing position of credit cards, you may think that with the continuous development of mobile payment and borrowing, fewer and fewer people will use credit cards. But this is only a superficial understanding. With the development of mobile payment, credit card business has not shrunk, but has grown rapidly, because credit card business is accompanied by mobile payment. At present, credit card is the preferred payment method for mobile payment of many friends. Therefore, the status of credit card is not embarrassing, but also has a very important position.
First of all, for banks, credit card is a big cake, and all major banks are eyeing it and want a piece of it.
As for how important credit cards are to banks, we are not in charge. We can see how important credit cards are to banks from a series of data.
1, credit card issuance.
By the end of 20 18, the number of credit cards and debit cards used nationwide reached 686 million, an increase of 16.6% compared with the end of 20 17.
2. Credit card credit limit.
By the end of 20 18, the total credit of credit cards in China reached 15.4 trillion, an increase of 23.4% compared with the end of 20 17.
3. The profits created by credit cards to banks.
As a kind of retail bank, credit card is a business that banks attach great importance to at present, and the banks that have developed rapidly in recent years are often because retail banks have done better, especially credit card business. We take China Merchants Bank as an example. In 20 18, the credit card interest income of China Merchants Bank was 45.979 billion yuan, up by 16.29% year-on-year. Benefiting from the increase in transaction volume, the non-interest income of credit cards was 20.722 billion yuan, up 38.95% year-on-year. It can be seen that the credit card business has contributed considerable profits to China Merchants Bank, and the growth rate is very fast.
4. Growth rate of credit card issuance of major banks.
Credit card is a very big cake for banks. Using credit cards not only has a large number of users, but also has scattered risks, so the bad debt rate is generally low. In this case, credit cards can create very high profits for banks, so all major banks attach great importance to credit card business. Therefore, we have seen that in recent years, major banks are vigorously promoting credit cards, not only by their own people, but also by many banks and third-party institutions.
It is precisely because the major banks attach great importance to the credit card business that the credit card growth rate of major banks has been very rapid in recent years. For example, in 2008, the credit card issuance of China Everbright Bank and China CITIC Bank increased by 64.05% and 43.44% respectively. By the end of 20 18, the credit card circulation of China Merchants Bank was 84,304,400, an increase of 34.98% compared with the end of last year, and the circulation was 58,029,300, an increase of 23. 1% compared with the end of last year.
This shows that the major banks attach importance to credit cards at present.
Secondly, credit cards also play an important role for ordinary users.
First, credit cards have many incomparable advantages over other financial instruments.
Although with the continuous development of mobile payment, people's behavior of using credit cards to swipe their cards directly on pos machines will gradually decrease, but the number of credit card users and transaction volume has not decreased, but has increased faster. This is because credit cards have many incomparable advantages over other financial instruments.
For example, credit cards have a maximum interest-free period of about 55 days, and there are various discount activities. Credit card points can be exchanged for various benefits, and credit cards can enjoy various rights and interests. Credit card can be used as a financing tool with relatively low interest.
It is precisely because credit cards have many advantages that many people will choose to pay by credit cards even if they have money at hand.
Second, at present, many people cannot do without credit cards.
Credit cards have become a very important financial management tool for everyone, especially for young people. It is very normal to have several credit cards in hand, and credit cards have become an indispensable part of many people's work and life. At present, many people rely on credit cards to make ends meet. Without credit cards, many people may not be able to maintain the most basic life, so the amount of credit card transactions is very large.
According to UnionPay data, in 20 18, the average transaction amount of bank credit cards was 63,400 yuan, and the total transaction amount of credit cards exceeded 40 trillion yuan, up 37% and 47% year-on-year. By the end of 20 18, the credit card overdraft balance exceeded 6.8 trillion yuan.
After reading the above data, are you still embarrassed about the status of credit cards?
From what aspect should we look at the embarrassing position of credit cards? Many people think that there is no need for a credit card if there is a white note. It is more convenient and faster to spend flowers. Compared with credit cards with complicated procedures, young people now prefer to use flowers, but no matter how convenient the flowers are, credit cards still have an unshakable position.
First of all, credit cards cover a wide range, but do you think it is possible if we shop with flowers abroad? Then the advantage of credit card is reflected here. Many people will think that the coverage of credit cards in China is not large, let alone abroad. You are wrong. Credit cards can be used in big cities like Tokyo, Japan and small countries like Morocco, as long as there is a UnionPay logo. However, QR code payment cannot be used, and it can only be used in some airport duty-free shops, large shopping centers and other specific places, so its coverage is far less than that of credit cards.
Secondly, credit cards have always been the "top card" business of many banks. If a bank's credit card business is excellent, then its various businesses will not be bad and develop rapidly. The major banks are eyeing the credit card business, because the profits that credit cards can create for banks are very high, so we will often see the advertisements of major banks promoting credit cards.
Moreover, the credit card amount is relatively high, and the amount of flowers is 1 10,000 to 20,000, most of which are thousands, while the credit card is based on 1 10,000 to 20,000. If there is any urgent need, the flower shop will not have that much quota, and then the credit card will come in handy.
Credit cards and personal credit information are also closely related. Personal credit information is related to users' credit information records, and your credit information records are related to major issues such as garage loans in the future. Passing the credit information does not mean that you have no record of default. If you have never used a credit card, the credit information will be blank, which is very unfavorable to the loan review. The approval speed is slow and the review is very strict.
Therefore, the status of credit cards is not embarrassing, but people's cognition of credit cards has deviated.
Credit card is a trap, and Pufa's universal fund is a routine loan! Don't touch it.
It's embarrassing to ask this question. I borrowed 40,000 yuan, with a monthly interest of about 420. But I have a credit card, and I have a machine for every 10000 yuan 55. 40,000 is 220 yuan every month. I have four or five high limit cards, which can be set and calculated.
It's not that the information card is embarrassing,
It's embarrassing for people who use credit cards,
It is already an inevitable burden!
It's too late to be ravaged!
The annual profit of information card is terrible!
Do you think the bank is losing money?
After the bad debts are offset, they are still making money!
Use credit cards well, and you can make money. When your salary is paid, you can use it for a month's financial management. You usually use a credit card or bind Alipay WeChat. You can pay back your credit card when you manage your finances. One way is to earn interest from financial management, one way is to earn credit card points, which can be exchanged for gifts, and the other way is to accumulate credit and check credit information when buying a house or a car.
I have used the credit card for more than ten years, and I feel very good. I help my savings card pay back automatically. What's wrong with buying a house without asking for help when the time difference is tens of thousands?
I cancelled several cards with a quota of several hundred thousand, and I usually use Alipay.
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