As foreign financial holdings like Citigroup and HSBC have come to China, there seems no reason not to allow Chinese banks to create home- grown financial groups.

Not only is it annoying to mobile customers, it also disrupts social life and damages the telecom operator's credit standing.

I would never let the bank earn interest on my credit card.

Relatively few people are using the credit line to borrow, and that's limiting our ability to issue more cards and make a profit. While we want people to roll over and earn interest on unpaid balances, we don't want to see them default.

Five million cards is just the beginning for us. We have met the profitability level for the business and are now keen to expand our market share.