这导致联名卡和认同卡的崛起，卡片的设计与“价值认同”相关(比如，一间大学或专业团体)，从而达到更高的信用卡使用率。
This has led to the rise of Co-Brand and affinity CARDS - where the card design is related to the "affinity" (a university or professional society, for example) leading to higher card usage.
于是有人想靠卖一些相近甚至线上充值之类的产品提高信用，但是这样很快稀释店面的专业度和品牌形象。
Then rely on someone to sell online and even some similar products like recharge credit improve, but this quickly diluted the major stores and brand image.
信用分数原本是一个绝密的数量和贷款，只有专业人士可以采取一览。
Credit scores used to be a top secret number and only lending professionals are allowed to take a peek at it.
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