CIW China Credit Card Research in 2013

China Internet Watch .com

China Credit Card Research

Nov 2013

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1

CONTENT LEVEL:

Introductory

China Internet Watch
A Division of incitez

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2

Chinese Netizen Credit Card Usage in 2013

Have activated
the credit card
but do not used
it
1.00%

Don't have a
credit card
18.00%
Source: iResearch, 2013

Have a credit
card but do not
activate it
3.00%

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Have a credit
card and are
using it
78.00%



3

Average Number of Credit Cards that China
Netizen Held From October 2012 to October 2013

1

33.8%

2

32.7%

3

19.5%

4

More than 5

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6.6%

7.4%


The per capita number is
1.72


4

Chinese Netizen Credit Card Using Frequency
From October 2012 to October 2013

At least once a week

47.2%

1-4 times per month

1-3 times per season

1-3 times per year

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40.2%


7.7%


4.9%



5

Chinese Netizen Credit Card Authorized User
Status in 2013

Have opened
16.98%
Won't be opened
55.64%

Plan to be
opened
27.37%

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6

The Channels of Opening a Credit Card in China in
2013
Bank branches

43.3%

Door-to-door sales people
Street temporary stalls
Partners' offline branches

15.8%
4.3%
2.6%

Bank official websites


The third party credit card websites
Partners' official websites

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2.3%

Offline
65.9%

14.2%

13.5%
2.9%

32.9%

15.0%

14.5%

E-bank

67.1%

14.6%
14.6%


38.7%

34.4%

Online
33.2%

7

Key Factors That Credit Card Users Cared From
October 2012 to October 2013
Security
The annual fee reduction

15.6%

Credit policy

6.2%

The overdue fee

4.6%

Promotional gifts

4.2%
1.9%


34.7%
30.6%

10.5%

Bank brand

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41.3%

15.8%

Preferential policy

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46.2%

15.9%

Payment is convenient

The card design

48.6%

24.9%

18.7%
16.4%


17.8%

8.2%


8

Reasons Why Credit Card Authorized User Account
Opened From October 2012 to October 2013
It's convenient for the couple

30.3%

It's convenient for the relatives

15.6%

Opened with preferential

11.9%

It's convenient for the children

11.7%

It's convenient for the lovers

6.9%

The vice card looks nice

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38.7%

19.7%

Avoid the loss of the main card

Other

44.6%

3.5%

30.0%
29.2%

27.5%

15.0%

10.8%


0.4%
0.4%



9

The Elements of Credit Cards Could be Improved
From October 2012 to October 2013
71.7%

More special offers

44.4%
67.6%

Increase the usage of points

26.8%

Increase credit card finance
management service

35.9%
14.0%
24.3%

Issue an electronic credit card
The shape of the card can be
more flexible
Other

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8.7%

20.6%
5.5%


0.7%
0.6%



10

Credit Card User Age Distribution in October 2013

3.5%
4.5%

Above 50 years old
41-50 years old

5.8%

36-40 years old

11.8%

8.6%

31-35 years old

13.3%

14.0%

25.5%
33.6%
31.0%

25-30 years old
11.7%

18-24 years old
Below 18 years old

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0.6%
2.2%


33.8%



11

Need more info?
Contact Incitez China
To get more information on how you can drive credit
card registration online in China, please contact us:
http://ciw.me/K7A9lr

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CIW China Credit Card Research in 2013

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