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Bank Phase Mall Payment Only Credit Card
Editor: Wu YueSource: Rong 360 originalDate: 2013-09-02

Summary:

Since the use of credit cards has become extremely common, banks have introduced various preferential measures to increase the cardholders' card use. In addition to points for gifts, designated merchants have credit card discounts, the banks also created an online stage store, where cardholders can choose to shop.
Since the use of credit cards has become extremely common, banks have introduced various preferential measures to increase the cardholders' card use. In addition to points for gifts, designated merchants have credit card discounts, the banks also created an online stage store, cardholders can choose to shop in this mall, but the biggest problem with this mall is that after the selection of good goods must be used to pay The line of credit card, he does not support the line card payment!
 
It is understood that on the websites of bank malls such as Bank of China, China Construction Bank, Industrial and Commercial Bank of China, and Bank of Communications, almost all commodity prices are marked with the price of installments, and customers are supported to use loans to purchase goods. Looks like an ordinary e-commerce website, is an open shopping platform, but to the payment link, "only recognize their own cards." This has caused many netizens headaches, and they cannot go to the bank to apply for a credit card in order to purchase one of the online mall's products.
 
In fact, it is reasonable for banks to recognize only their own customers. However, this is a "double-edged sword" that protects their own interests, which has affected the sales of the bank mall. For example, in China Merchants Bank, online shopping malls that have recently been online, the number of transactions for most products is only 35 or so, and the number of transactions for some group purchases and limited-time purchases of goods is only more than 30 orders. The staged business, which has always been regarded as a core competitiveness by the credit card mall, has gradually lost its advantage. AgainBank of Communications, Many of its online shopping malls have “no trading records” in the column of transaction records.
 
In fact, the problem with bank e-commerce websites is not only the one that only recognizes one's own card, but there are still many areas that need improvement. For example, if the price is updated slowly and the physical store’s price drops, the website still has the original price; the quality and after-sales service of the product cannot be guaranteed. The bank’s online store mostly cooperates with the merchant, and the bank is only responsible for the payment collection and other links. The supply, logistics, return, exchange, etc., are all the responsibility of the merchant, and the bank is not responsible for this.
 
August 6,Industrial Bank Credit CardThe official website issued a "closed business" announcement, announcing that the bank will be officially closed on August 31, 2013Industrial BankCredit card online stage store. This also awakens the online shopping malls of other banks. If you want to continue to develop, you need to further improve the business model.

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