agid])) { foreach ($g_flag_thread[$flagid] as &$val) { flag_thread_filter($val); } flag_thread_set($flagid, $g_flag_thread[$flagid]); } } return $g_flag_thread[$flagid]; } // 设置缓存 $key = flagid / $val = flagid下tid数组 function flag_thread_set($key, $val) { global $g_flag_thread; FALSE === $g_flag_thread and $g_flag_thread = website_get('flag_thread'); empty($g_flag_thread) and $g_flag_thread = array(); $g_flag_thread[$key] = $val; return website_set('flag_thread', $g_flag_thread); } // 删除flag下tid缓存 function flag_thread_delete_cache($flagid) { global $g_flag_thread; FALSE === $g_flag_thread and $g_flag_thread = website_get('flag_thread'); empty($g_flag_thread) and $g_flag_thread = array(); if (isset($g_flag_thread[$flagid])) { unset($g_flag_thread[$flagid]); website_set('flag_thread', $g_flag_thread); } return TRUE; } // Delete by tid / 通过tid删除flag下的主题和对应flagid缓存 function flag_thread_delete_by_tid($tid) { global $g_flag_thread; FALSE === $g_flag_thread and $g_flag_thread = website_get('flag_thread'); if (empty($g_flag_thread)) { $g_flag_thread = array(); } else { $thread = well_thread_read_cache($tid); $arrlist = flag_thread_find($tid, 1, $thread['flags']); $flagarr = $ids = array(); foreach ($arrlist as $val) { $flagarr[] = $val['flagid']; $ids[] = $val['id']; if (isset($g_flag_thread[$val['flagid']])) unset($g_flag_thread[$val['flagid']]); } website_set('flag_thread', $g_flag_thread); // 主键更新 flag_update($flagarr, array('count-' => 1)); // 主键删除 flag_thread_delete($ids); } return TRUE; } // 主键删除 通过$flagid删除flag下的主题和对应flagid缓存 function flag_thread_delete_by_flagid($flagid) { global $g_flag_thread; FALSE === $g_flag_thread and $g_flag_thread = website_get('flag_thread'); $read = flag_read_cache($flagid); if (empty($read)) return TRUE; $arrlist = flag_thread_find_by_flagid($flagid, 1, $read['count']); if (empty($arrlist)) return TRUE; $flagarr = $ids = array(); $n = 0; foreach ($arrlist as $val) { ++$n; $flagarr[] = $val['flagid']; $ids[] = $val['id']; if (isset($g_flag_thread[$flagid])) unset($g_flag_thread[$flagid]); } website_set('flag_thread', $g_flag_thread); // 主键更新 flag_update($flagarr, array('count-' => $n)); // 主键删除 $r = flag_thread_delete($ids); return $r; } ?>组保留的标签 余下为需要删除的标签 unset($oldtag[$key]); } } } if (!empty($oldtag)) { $tagids = array(); foreach ($oldtag as $tagid => $tagname) { $tagids[] = $tagid; } well_oldtag_delete($tagids, $tid); } $r = well_tag_process($tid, $fid, $create_tag, $tagarr); return $r; } // 删除标签和绑定的主题 function well_oldtag_delete($tagids, $tid) { $pagesize = count($tagids); $arrlist = well_tag_find_by_tagids($tagids, 1, $pagesize); $delete_tagids = array(); // 删除 $tagids = array(); $n = 0; foreach ($arrlist as $val) { ++$n; if (1 == $val['count']) { // 只有一个主题 $delete_tagids[] = $val['tagid']; } else { $tagids[] = $val['tagid']; } } !empty($delete_tagids) and well_tag_delete($delete_tagids); $arlist = well_tag_thread_find_by_tid($tid, 1, $n); if ($arlist) { $ids = array(); foreach ($arlist as $val) $ids[] = $val['id']; well_tag_thread_delete($ids); } !empty($tagids) and well_tag_update($tagids, array('count-' => 1)); } // 标签数据处理 $arr=新提交的数组 $tagarr=保留的旧标签 function well_tag_process($tid, $fid, $new_tags = array(), $tagarr = array()) { if (empty($tid)) return ''; // 新标签处理入库 if ($new_tags) { $threadarr = array(); $tagids = array(); $i = 0; $size = 5; $n = count($tagarr); $n = $n > $size ? $size : $size - $n; foreach ($new_tags as $name) { ++$i; $name = trim($name); $name = stripslashes($name); $name = strip_tags($name); $name = str_replace(array(' ', '#', "@", "$", "%", "^", '&', '·', '<', '>', '；', '`', '~', '!', '￥', '……', ';', '?', '？', '-', '—', '_', '=', '+', '.', '{', '}', '|', ':', '：', '、', '/', '。', '[', ']', '【', '】', '‘', ' ', ' ', ' ', ' ', ' '), '', $name); $name = htmlspecialchars($name, ENT_QUOTES); if ($name && $i <= $n) { // 查询标签 $read = well_tag_read_name($name); if ($read) { // 存在 count+1 $tagids[] = $read['tagid']; } else { // 入库 $arr = array('name' => $name, 'count' => 1); $tagid = well_tag_create($arr); FALSE === $tagid and message(-1, lang('create_failed')); $read = array('tagid' => $tagid, 'name' => $name); } $tag_thread = array('tagid' => $read['tagid'], 'tid' => $tid); $threadarr[] = $tag_thread; $tagarr[$read['tagid']] = $read['name']; } } !empty($threadarr) and tag_thread_big_insert($threadarr); !empty($tagids) and well_tag_update($tagids, array('count+' => 1)); } $json = empty($tagarr) ? '' : xn_json_encode($tagarr); return $json; } ?>内容的栏目 * @param int $category 0列表 1频道 2单页 3外链 * @return array */ function category_list($forumlist, $model = 0, $display = 0, $category = 0) { if (empty($forumlist)) return NULL; static $cache = array(); $key = $model . '-' . $display . '-' . $category; if (isset($cache[$key])) return $cache[$key]; if ($display) { foreach ($forumlist as $k => $val) { if (1 == $val['display'] && 1 == $val['type'] && $val['category'] == $category) { $cache[$key][$k] = $val; } } } else { foreach ($forumlist as $k => $val) { if (1 == $val['type'] && $val['category'] == $category) { $cache[$key][$k] = $val; } } } return empty($cache[$key]) ? NULL : $cache[$key]; } /** * @param $forumlist 所有版块列表 不分模型 * @param int $display 0全部CMS栏目 1在首页和频道显示内容的栏目 * @param int $category 0列表 1频道 2单页 3外链 * @return array */ function category_list_show($forumlist, $display = 0, $category = 0) { if (empty($forumlist)) return NULL; static $cache = array(); $key = $display . '-' . $category; if (isset($cache[$key])) return $cache[$key]; if ($display) { foreach ($forumlist as $k => $val) { if (1 == $val['display'] && 1 == $val['type'] && $val['category'] == $category) { $cache[$key][$k] = $val; } } } else { foreach ($forumlist as $k => $val) { if (1 == $val['type'] && $val['category'] == $category) { $cache[$key][$k] = $val; } } } return empty($cache[$key]) ? NULL : $cache[$key]; } /** * @param $forumlist 所有版块列表 * @return mixed BBS栏目数据(仅列表) 尚未开放bbs频道功能 */ function forum_list($forumlist) { if (empty($forumlist)) return array(); static $cache = array(); if (isset($cache['bbs_forum_list'])) return $cache['bbs_forum_list']; $cache['bbs_forum_list'] = array(); foreach ($forumlist as $_fid => $_forum) { if ($_forum['type']) continue; $cache['bbs_forum_list'][$_fid] = $_forum; } return $cache['bbs_forum_list']; } // 导航显示的版块 function nav_list($forumlist) { if (empty($forumlist)) return NULL; static $cache = array(); if (isset($cache['nav_list'])) return $cache['nav_list']; foreach ($forumlist as $fid => $forum) { if (0 == $forum['nav_display']) { unset($forumlist[$fid]); } } return $cache['nav_list'] = $forumlist; } ?>跑信用卡去哪里跑
酷宠问答

酷宠问答

收录12591079题，酷宠问答免费搜题解答

今日已更新0道题

跑信用卡去哪里跑

2025-06-11 00:28:33   0次

跑信用卡去哪里跑

优质解答

跑信用卡的最佳地点包括商场、企事业单位和互联网平台。商场人流量大，容易吸引潜在客户；企事业单位员工收入稳定，信用资质较好；互联网平台则可精准触达有需求的用户。这三种渠道各有优势，可组合使用提高办卡效率。

选择这些地点推广信用卡具有充分的商业逻辑和数据支撑。根据2023年银联数据显示，我国信用卡累计量达7.7亿张，人均持卡1.9张，但期望持卡量达2.3张，市场仍存在增量空间。商场作为传统推广场所，日均人流量可达数万人次，通过摆摊设点、赠送小礼品等方式，能有效提高办卡转化率。企事业单位员工普遍具有稳定收入，2025年最新信用卡政策要求银行严格审查申请人资质，这类客群更容易通过审批。互联网渠道则能利用大数据分析，如2023年互联网银行信用卡审批时效已缩短至10分钟，通过率达87.3%。

从风险控制角度看，2025年6月出台的新政策强调银行要加强信用卡额度管理和风险管控。在商场和单位推广时，可现场核实申请人明等材料；线上渠道则能直接对接央行征信系统，实现快速风控。各银行也在调整信用卡业务策略，25.4%的机构已将信用卡条线与消费贷条线整合，通过多渠道协同提升获客效率。

从成本效益分析，线下推广虽然需要人力投入，但能建立面对面的信任感；线上推广则边际成本低，可覆盖更广人群。最新行业报告显示，高净值用户人均期望持卡量达3张以上，这类优质客户往往需要通过单位专属渠道或高端商场活动才能有效触达。采取多渠道组合的推广策略，既能控制成本，又能提高优质客户占比，是当前信用卡业务发展的最优选择。

本题链接：

信用卡推广人流量营销策略