Each person is limited to 1 permission per week; Preferential benefits need to be booked by phone every Tuesday and are not shared with other offers in the store; Except for special holidays, the quantity is limited while stocks last. A number of commercial banks have launched exclusive activities for the Credit Card Festival, providing customers with red envelopes, discounts, handling fees and other benefits, and giving more preferential treatment to new users.
Credit card business is an important business for banks to expand intermediary business income and improve the level of net interest margin. Looking ahead, with the improvement of smart credit level, banks will focus more on low-risk and high-quality customers, and will provide more abundant marketing activities and credit products to help users upgrade their consumption.
Introduction of credit card preferential activities:
Holiday concessions have also played a role in promoting the growth of credit card business. Zhu, vice president and chief risk officer of China Merchants Bank, said that after entering the third quarter, the bank's credit card loan growth accelerated, especially in September, driven by holiday consumption and the listing of new iPhone products, and the credit card loan yield was high, which made a positive contribution to the bank's net interest margin this year.
Some bankers said that the epidemic situation has improved, customers' willingness to spend has gradually picked up, and the credit card fee income of many banks has bottomed out. In the future, they will increase the promotion of credit card business and strengthen the management of low-and medium-risk customers.