Huaxiang Aole Village Clothing Store Fu Le/photo
China Times (www.chinatimes.net.cn) reporter Fu Le Ran Xuedong Beijing report
As the last legal long holiday, the consumption demand during the National Day holiday has been significantly released.
During the National Day, a reporter from " China Times " found in many popular shopping places such as Sanlitun, Wangfujing , and Outer Village in Beijing that you can enjoy instant payment reduction and one-cent shopping activities by swiping your credit card. In consumption scenarios such as catering, entertainment, and shopping, there are many benefits.
For this reason, major banks have recently launched National Day discounts on credit card in light of user needs, and have joined hands with high-quality brand merchants such as catering, cinemas, shopping malls, etc. across the country to provide citizens with diverse consumer feedback activities in all aspects of food, clothing, housing and transportation, helping to stimulate new momentum in the consumer market. Some banks also use the help of phased marketing of National Day credit cards to divert traffic to their own APPs, and then carry out subsequent conversions and services.
Huaxiang Aole Village Fu Le/photo
Huaxiang Aole Village Catering Merchants Fu Le/photo
htmlOn October 2, Su Xiaorui, senior analyst of the financial industry of iResearch Analysis, told the reporter of the China Times that banks have jointly launched credit card National Day promotions with external platforms, aiming to quickly gain market attention and expand institutional brand communication with special seasons such as hot festivals. At the same time, there will inevitably be more long holiday travel and holiday consumption than usual during the National Day holiday, which is an excellent opportunity for bank credit cards to promote card-holding consumption and improve card use.launches National Day discount exclusive event
In response to users' consumption needs for catering and entertainment during the National Day Golden Week, CITIC Bank Credit Card launches three major theme promotional activities "Wonderful 365", "9 Share Refund" and "9 Yuan Enjoy Watch" and launches payment and rebate activities for consumption "every cashback" at the same time.
The reporter of "Huaxia Times" opened the CITIC Bank Credit Card APP and saw that you can enjoy a 100 yuan coupon on Xiabu Xiabu , Fallada, Qian Sanjia, etc., and you can enjoy a 50 yuan discount on Haidilao at Haidilao ... The "Wonderful 365" event time starts from October 1. Cardholders go to the Dynamic Card Space APP-Credit and Payment-Coupon Receiving Center to receive a discount on the full amount of designated merchants, and enjoy a discount on the immediate meal of dine-in for catering merchants. "9 Shared" covers gift rights such as catering, supermarket online shopping, audio-visual entertainment, and convenience for life. From the National Day to December, cardholders can enjoy preferential movie tickets.
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Around National Day, when the Agricultural Bank of China credit card holder booked tickets and entertainment products on Ctrip Travel APP, and when booking domestic train ticket products, he/she will pay with the bound Agricultural Bank of China credit card, and if he/she has the opportunity to enjoy a discount of 10 yuan off for the actual payment amount of the order over 100 yuan. In addition to paying full discounts,
also has installment consumption discounts. Postal Savings Bank has launched the "Eleven Special Offer" event, purchasing mobile phone numbers, home decoration appliances, beauty and luxury products, clothing and other products on Tmall and Taobao shopping. Choose Postal Savings Credit Card to shop for installments with up to 24 installments and 0 down payment installment fees. In addition, in designated merchants such as Wumart, Convenience Bee , Xiabu Xiabu, Postal Savings Bank credit card holders can rush to purchase coupons through the Postal Savings Credit Card APP.
In addition, in order to meet consumers' travel needs, GF Credit Card launched special air tickets during the National Day holiday, as well as related discount activities such as accommodation, tickets, car rental and car owner services. Family car rental also has the opportunity to exempt first-day rent from rent, which fully meets consumers' travel and urban micro-vacation needs.
The China Times reporter found that some bank credit cards posted tweets on the eve of National Day to promote their own National Day discounts. Ping An Bank launched the Meituan takeout and high-speed rail ticket purchase and coupon reduction activities around the National Day. Jiangsu Bank Credit Card launches a farmer-aided activity during the long holiday, with 100 yuan off when buying crabs, Luckin and Naixue enjoy a 50% discount, and a 50 yuan discount on new car credit card customers who recharge for more than 500 yuan. Ningbo Bank Credit Card launches the "7-day National Day" event. During the National Day period, cardholders can enjoy a lottery if they spend more than 17 yuan per single purchase, and give up to 17 yuan to get a WeChat bonus. During the National Day holiday, if the cumulative consumption meets the standards, you can enjoy a 1% cashback for consumption and a maximum rebate of 1,077 yuan.
Macro researcher of the Financial Market Department of Everbright Bank Zhou Maohua told the reporter of the China Times: "Festival holidays are often the peak season for consumption and shopping. Bank and financial institutions launch some credit card consumption discount activities, which can play a role in expanding business and brand promotion. Through the deep integration of credit cards and different consumption scenarios, online and offline, creating a full-scene ecological system and improving consumer experience."
self-operated APP takes the trend to attract traffic
In addition to paying full discounts and low-priced benefits, some banks have also increased the activity of their self-operated APPs through different activities, and the high-frequency consumption scenarios of credit cards are a good traffic entrance.
, for example, Everbright Bank credit card customers, pay at UnionPay merchants through the Sunshine Hui Life APP, and have the opportunity to enjoy random discounts, etc. The National Day special offer for Postal Savings Bank Credit Cards shows that cardholders have the opportunity to participate in the Alipay red envelope coupon activity through the Postal Savings Credit Card APP "Come on" page.
Su Xiaorui said that the self-operated APP with preferential credit card for National Day reflects the increasingly fierce market competition behind the bank credit card APP. Festival marketing mainly plays a phased role in customer acquisition and customer acquisition. If you want to obtain longer-term results, you need to use the credit card APP to make daily connections in subsequent operations, pay attention to customer retention, continue to optimize customer service experience, and reduce customer loss after holiday marketing.
With the risk control requirements and regulatory rectification of consumer finance business, the industry has begun to shift from high growth to high-quality development, and credit card business has also entered the era of stock, the growth rate of card issuance has slowed down, and differentiation and scenario-based development have become the mainstream of market competition.
At this stage, Su Xiaorui said that credit card business needs to have deeper user insights. On the one hand, we will carry out in-depth operations for existing customer groups, deepen refined services of scenarios + ecology, and stabilize and enhance the value of current key users. On the other hand, in view of the characteristics of new customer groups derived from online transfer, combined with APP+ scenario ecological operation, we will explore and find growth opportunities to new customer groups, such as key groups, Generation Z, Silver Hair, Cute Pets, High-value Customer Group, etc.
She said that in terms of overall strategy, in the context of the acceleration of the integration of online and offline scenarios, institutions need to strengthen their online platforms and service capabilities to explore integrated operations, and use the "card + APP + scenario + rights" business ecosystem to help new breakthroughs and stocks to promote vitality.
Specifically, we must have in-depth insight into user needs and carry out targeted user interaction, such as providing interesting APP games and highly playable video interactions to Generation Z to help extend user usage time. Secondly, under the establishment of a national "unified large market" strategy and "big consumption" trend, a rights system will be built based on integrated operations, and through service experience, users will be encouraged to use credit card APP for transactions, credit, financial management and communication sharing, and rights will be rewarded for user value, promote business revenue growth, and form a closed loop of user services and business income.
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