Shift in Issuance Strategy:

Moving from quantity pursuit to quality improvement. The six large state-owned banks hold 58.7% of the credit card market share, showing a "Matthew Effect"

Digital Transformation Accelerates:

Several banks shut down independent credit card apps (e.g., Bank of China integrated features from "Colorful Life" into its main app).Integration of digital yuan and bank cards. China Construction Bank launched a "Digital Yuan + Cross-border Payment" solution, reducing transaction costs by 40%.

Comprehensive Risk Control Upgrade:

AI monitoring systems operate 24/7. Card suspensions and credit limit reductions have become routine. Against the backdrop of overdue amounts exceeding 90 billion yuan, banks maintain zero tolerance for improper card usage.