which card the user binds when using it, so

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The key to this type of marketing growth is the creative investment and the differentiated positioning of the brand. Marketing is also very important for credit cards. If we keep attracting customers through discounts, we will attract only wool parties. For credit cards, we must have our own attitude and position and spiritual value. However, unlike the retail industry, credit cards are not simple transactions of money and goods, and pure marketing is not enough. Operation-driven, for example, content platforms such as Zhihu, Xiaohongshu, or e-commerce platforms such as Taobao and JD.com rely mainly on the content, goods or services provided for user growth.



In my opinion, credit cards fall into the category of iran telephone code operation-driven. Credit cards are essentially "account-based" and the core of the enterprise is the services and goods provided. When I was thinking about the future of credit cards some time ago, I even had a feeling that high-end credit cards in the future will sell services, while ordinary credit cards will bring goods. The key to what credit cards can achieve in the future lies in how many upstream and downstream resources can be integrated based on positioning and how many services can be provided. The perception of the credit card growth model often determines the growth model of the enterprise, resource allocation, and even completely different companies and models.



They are all called credit cards, but some are payment companies and some are small loan companies, doing completely different things. Identify the core leverage of user growth. The so-called leverage is a growth strategy that gets greater returns with relatively small investments, which is to answer the question of "what to do". To find the core leverage, you generally need to define a growth formula. For example, active accounts = valid accounts * card activation rate. There are two key factors here. If you want to grow, should you focus on valid accounts or card activation rate? The former is the expansion of new accounts and the latter is the operation of existing accounts.