从“办卡送自行车”的营销活动，到如今直接打出利率牌，曾以“数量论英雄”的银行信用卡业务，如今正迎来拐点。财经观察站 柠萌这一“拐点”的最新体现，便是透支利率的市场化改革。2025年9月29日起生效的光大银行一项规则，将信用卡利率拉向新下限，调整为“日利率0%-0.05%，按照单利算法近似折算年利率为0%-18.25%”。同时，其将根据持卡人的资信状况、用卡情况等动态调整日利率水平，调整后日利率不...
Source Link从“办卡送自行车”的营销活动，到如今直接打出利率牌，曾以“数量论英雄”的银行信用卡业务，如今正迎来拐点。财经观察站 柠萌这一“拐点”的最新体现，便是透支利率的市场化改革。2025年9月29日起生效的光大银行一项规则，将信用卡利率拉向新下限，调整为“日利率0%-0.05%，按照单利算法近似折算年利率为0%-18.25%”。同时，其将根据持卡人的资信状况、用卡情况等动态调整日利率水平，调整后日利率不...
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