Currently, the bank has penetrated into every aspect of economic life, become the most frequent use of residents' consumption when payment tool. According to statistics, at present the central Banks in the total retail sales of consumer society has 30% above is used for payment of the bank, and some cities such as Shanghai, Vibram Five Fingers Beijing, and the proportion is close to or reached 50%, become the mainstay of card consumption payment. Use only the universal bank helps reduce the transaction costs and payment system, convenient and quick at because of its characteristics of more help consumers make buying decisions,  Vibram FiveFingers consumer behavior will be more active. Especially with the consumer credit card short, in particular conditions can make the cardholder will change the potential demand for the reality of consumption demand of consumption, pull effect is very obvious. Five Fingers

2 the rigidity of the issuing bank overdraws rate limit independent pricing and personalized service.

The customers with their frequencies, transaction amount, card payments for the issuing and larger contribution exist differences, and anyone who USES circular credit lending rates are the same to the extent that the inhibition of the high-quality customer or a blow,  Vibram Shoes and affects the quality enthusiasm of customer loyalty. Overdraw the rigid led to interest rate risk hairpin pricing model, and at the same time, due to the failure of the administrative rules and regulations of each respect such as restrictions, hairpin cannot according to customer's contribution to pricing.  five fingers shoesTherefore, hairpin hopes to gain some independent pricing, make some contribution to the high customer can enjoy preferential interest rate and related overdraw the supporting service. FiveFingers