The lack of valid credit card is due to the low rate of revolving credit usage, low commission rate from merchants and annual fee waiver policy;

其中信用卡有效收入不足是由我国信用卡循环信用率偏低、商户佣金费率偏低和各家银行信用卡免年费政策的实施导致的；

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The lack of valid credit card is due to the low rate of revolving credit usage, low commission rate from merchants and annual fee waiver policy;

其中信用卡有效收入不足是由我国信用卡循环信用率偏低、商户佣金费率偏低和各家银行信用卡免年费政策的实施导致的；

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