9558 is the official customer service telephone number of Guangfa Bank. It is a formal channel to recommend handling credit cards after receiving such calls, but whether they can pass or not depends on their credit card approval department. Commercial banks' credit card marketing optimization strategy product strategy under the background of big data

Under the traditional marketing mode, the research and development of new marketing products of commercial banks are mostly process products, and it is difficult to achieve targeted and quantifiable marketing. At the same time, in the development of credit card business, product homogeneity is an unavoidable problem for commercial banks at present. Some commercial banks have shortened the issuance time of credit cards one after another, which has led to more convergence of the functions of credit cards issued by different banks (Wang Peipei, 22). This practice does not really focus on meeting the needs of consumers, can not accurately and fully reflect the different consumer wishes and market demands of customers, and does not have the characteristics of differentiation and personalization. In the era of big data, through the mining of big data, we can quickly and accurately analyze and locate the actual needs of market customers, and quickly and iteratively launch a targeted and differentiated marketing innovation product, so as to effectively realize accurate marketing and achieve the marketing products that really fully meet the actual needs of market customers. China Construction Bank has launched "card-free deposit" business, convenient payment service for ETC and MTC lanes, and China Bank has launched the Great Wall Global Connect EMV credit card business, thus providing great convenience and better user experience for customers. ? Price strategy

At present, most commercial banks have the problem of insufficient profit space for credit cards, which is mainly manifested in the fact that the annual profit target can not be achieved, but losses will occur, because credit card issuers have not made a detailed study of credit card consumers, only pursuing a higher issuance amount and ignoring the consumption quality of cardholders (Yu Weipu, 21). In this case, commercial banks can implement regional market pricing through the application of big data technology, comprehensively analyze the geographical location, economic development, income level of residents, customer consumption habits and preferences of regional markets, and implement differential pricing for different regions. This can effectively solve the problem of different customer groups' inconsistent acceptance of credit card products, better attract potential customer groups, maintain existing customers and enhance customer loyalty to a certain extent. China Agricultural Bank has implemented the differential pricing strategy for intermediate business products to reduce costs, improve competitiveness and customer satisfaction, so as to increase profits. Channel strategy

Commercial banks can create a big data marketing application service platform through channel innovation, actively develop and expand customer marketing data management systems, continuously strengthen communication and cooperation with online social platforms, e-commerce marketing platforms, online media platforms and various traffic platforms, and make full use of customer relationships for online word-of-mouth marketing. Online, commercial banks can adhere to the mode of "counter marketing+intelligent terminal marketing"; Online, an online and offline three-dimensional marketing service system can be established in an all-round way by using the innovative way of "online banking+mobile banking+Alipay". In the process of marketing, China Construction Bank pays attention to strengthening the overall linkage and cooperation within itself and various business departments in the industry, increasing the intensity of cross-marketing, giving full play to the advantages of corporate institutions and customer resources, and strengthening public-private linkage and personal business linkage. ? Promotion strategy

In the era of big data, the promotion mode of commercial banks is completely different from the traditional promotion mode. In the background of big data era, the promotion mode is more inclined to promote customers and release their future consumption needs. At present, the five major commercial banks in China basically carry out various promotional activities such as bonus marketing, series marketing of important holiday themes, installment marketing promotion, and focus marketing. However, in the era of big data, commercial banks can record the customer's response and transaction status after each promotion by analyzing customer-related consumption data, including the latest consumption record, customer consumption frequency and consumption amount, continuously update customer information, and judge the actual needs of customers through their consumption behavior, so as to recommend related products, and achieve accurate information on promotional products for different customers, so as to achieve better promotion results.