Master in the Folk credit card friend return banking wool – Sohu financial management-incubus

Master in Folk: credit card holders "retaliate" bank in a financial Sohu – wool mattress Credit Card Forum, the reporter saw hundreds of still summary information during the validity of preferential activities within the banks involved in almost all large and medium-sized banks and local banks and foreign banks in the folk master! Although the Bank of some financial services "too much" to use their own unique market position, but the credit card you obviously are not trampled. Recently, related stock movements, the most powerful way in a credit card forum for this proof — in a summary "," Securities Daily "the reporter saw hundreds of valid from different card within preferential credit card information (and promotions more has ended), involving the bank including state-owned banks, joint-stock banks, city commercial banks and foreign banks, and many friends also have successful feedback card screenshot" wool mattress". The eyes of the masses are the brightest, and the wisdom of the masses is infinite, which is obviously effective in the field of credit cards. Although commercial banks have their own way to make money, but the credit card friends for the bank’s wool is also full of interest. "Securities Daily" reporter noted that the Credit Card Forum mostly active a group of credit card "swipe card expert", collect the preferential activities launched by banks, and share with a number of card friends. In a credit card forum, the reporter saw the wool mattress plate, hundreds are still valid promotions within the information, as well as a large number of just expired offers, banks involved in almost all large and medium-sized banks, but also including some local banks and foreign banks. At the same time, some of the card friends have been drying out their own successful concessions to enjoy screenshots, these preferential content varies, the intensity of the relatively large can reach "100 send 50" or "Eighty minus forty" and so on. However, some banks offer less or less amount of credit cards, "cards friends Tucao" too stingy". More interesting is that banks in the forum is often dubbed the "code", such as China Merchants Bank Name into the United States and the United States "little trick, of course, more merchants bank is not so lucky," code "slightly rustic, and even suffered a certain degree of. But the homogenization of embarrassment, "Securities Daily" reporters carefully compare banks preferential information found on the surface of various types of promotions though, but in fact is very similar, mainly concentrated in the film, delicacy, online and offline shopping scene co.. In fact, the homogeneity competition of bank credit cards is not only reflected in one aspect of preferential activities. According to the "Securities Daily" reporter estimates, the bank issued more than 3000 types of credit cards, but the actual categories of not more than 15 kinds. Specifically, workers, farmers, construction, delivery of the five lines total issuing 1000, which for most types of a> issuing; joint-stock bank credit cards are relatively large gap, there are many kinds of cards for the China Merchants Bank (including regional joint Cadenet), has more than 200 small banks there are sixty or seventy models. According to the average number of 90 credit cards per unit roughly estimated, state-owned large shares and joint-stock silver.

高手在民间:信用卡卡友“回敬”银行褥羊毛-搜狐理财   在某信用卡论坛,记者看到近百条仍在优惠活动有效期内的汇总信息,涉及的银行几乎囊括了所有的大中型银行以及部分地方银行和外资行   高手在民间!   虽然银行可以利用自己的独特市场地位对一些金融服务“漫天要价”,但是信用卡卡友显然也不是任人宰割的。近日 相关公司股票走势 ,在某信用卡论坛对此证明的最有力方式――在一个汇总网页中,《证券日报》记者看到了来自不同卡友的近百条有效期内的信用卡优惠活动信息(以及更多已经结束的优惠活动),涉及的银行包括国有大行、股份制银行、城商行和外资行等,而许多卡友也截图反馈已经成功“褥羊毛”。   群众的眼睛是最亮的   群众的智慧是无穷的,这句话用在信用卡领域显然也十分有效。虽然商业银行有自己的赚钱玩法,但是信用卡卡友对于褥银行的羊毛也是兴致十足。   《证券日报》记者注意到,信用卡论坛大多活跃着一批信用卡“刷卡专家”,专门收集各家银行推出的优惠活动,并与一众卡友分享。在某信用卡论坛的褥羊毛板块,记者看到了近百条仍在优惠活动有效期内的信息,以及大量刚刚过期的优惠信息,涉及的银行几乎囊括了所有的大中型银行,还包括部分地方银行和外资行。   同时,有一些卡友已经晒出了自己成功享受优惠的截图,这些优惠内容不一,力度比较大的能达到“满百送50”或“满八十减四十”等。   不过,也有些银行的优惠数量或数额比较少,被卡友吐槽“太小气”。比较有趣的是,各家银行在论坛中经常被冠以“代号”,例如招商银行的名称变成了美美的“小招”,当然,更多的银行则没有招行这么幸运,“代号”略显土气,甚至遭遇一定程度的贬低。   同质化尴尬   不过,《证券日报》记者仔细比较各家银行的优惠信息发现,虽然表面上优惠活动种类繁多,但是其实质却十分雷同,主要集中在电影、美食、线上或线下购物等有限的场景。   事实上,银行信用卡的同质化竞争并不仅仅体现在优惠活动一个方面。据《证券日报》记者测算,银行发行的信用卡种类超过3000款,但实际门类不超过15种。   具体来看,工、农、中、建、交五大行合计发卡近千款,其中建a>行发卡种类最多;股份制银行的信用卡种类相对而言差距比较大,卡片种类较多的为招商银行(包括区域联名卡在内),有200多款,较少的银行也有六七十款。如果按照平均每家90款信用卡的数量大致估算,国有大行和股份制银行合计的信用卡种类达到2000款。城商行和农商行中,已发行信用卡的银行约有70家,发行种类比较多的可以达到六七十款,比较少的则仅有不足10款,但由于发卡行数量众多,合计的发卡种类也能有近1000款的规模。   虽然信用卡种类名目繁多,但其实服务内容大多十分相似。《证券日报》记者对比多家银行相关产品发现,信用卡实际的门类不超过15种,主要包括商旅卡、特色主题卡、航空卡、超市 商场购物卡、车主卡、网络联名卡、大额取现卡、学子卡、公益卡、高端卡等。   “现在从我们掌握的选卡数据来看,多数人对于价格比较敏感,关注是否收取年费以及信用卡的具体服务内容;此外,也有大量的客户喜欢联名卡,客户可以根据自身的情况选择适合自己的联名卡种类”,一位第三方数据分析平台有关人士曾对《证券日报》记者表示,“不过,银行的产品确实大同小异,例如,大中型银行几乎都有航空卡,优惠多以里程奖励为主,银行之间的竞争也只是拼优惠、拼补贴,独特性并不算高。”   央行数据显示,截至去年第三季度末,全国银行卡在用发卡数量52.52亿张,同比增长10.66%,环比增长4.37%。其中,借记卡在用发卡数量48.03亿张,同比增长11.42%,环比增长4.43%;信用卡和借贷合一卡在用发卡数量共计4.49亿张,环比增长3.74%。全国人均持有银行卡3.85张,其中,人均持有信用卡0.30张。此外,信用卡信贷规模持续增长。截至去年第三季度末,信用卡授信总额为6.71万亿元,同比增长26.11%;信用卡应偿信贷余额为2.92万亿元,同比增长33.39%。信用卡卡均授信额度1.63万元,授信使用率743.54%,较上年同期增长2.37个百分点。信用卡逾期半年未偿信贷总额384.33亿元,环比增长13.93%,占信用卡应偿信贷余额的1.32%,占比较第二季度末增长0.11个百分点。相关的主题文章: