95508 is the official customer service number of China Guangfa Bank. When receiving such a call, it is recommended to apply for a credit card through formal channels and can be applied for. However, whether it can be approved depends on their credit card approval department to judge based on the credit report. Commercial banks’ credit card marketing optimization strategies and product strategies under the background of big data

Under the traditional marketing model, the research and development of new marketing products of commercial banks are mostly process-based products, making it difficult to achieve targeted and quantifiable marketing. At the same time, in terms of credit card business development, product homogeneity is a problem that commercial banks cannot avoid at present. Some commercial banks have shortened the issuance time of credit cards, causing the functions of credit cards issued by different banks to become more similar (Wang Peipei, 2020). This approach does not truly meet the needs of consumers as the core, and cannot accurately and fully reflect the different needs of customers. Consumption willingness and market demand do not have differentiated and personalized characteristics. In the context of the big data era, through big data mining, we can quickly and accurately analyze, discover and locate the actual needs of market customers, and quickly and iteratively launch a targeted and differentiated marketing innovation product, thereby effectively achieving precision marketing. Achieve marketing products that truly fully meet the actual needs of market customers. China Construction Bank has now launched "cardless deposit" business, ETC and MTC lane access convenient payment services, and Bank of China has launched the Great Wall Global Pass EMV credit card business, thereby providing customers with great convenience and better user experience. ?Price strategy

Currently, most commercial banks have insufficient credit card profit margins. The main manifestation is that instead of being able to achieve their annual profit targets, they will suffer losses. This is because credit card issuers do not pay attention to credit card consumption. The group conducted detailed research and only pursued a higher issuance amount, ignoring the consumption quality of cardholders (Yu Weipu, 2010). In this case, commercial banks can implement regional market pricing through the application of big data technology, comprehensively analyze the geographical location of the regional market, economic development status, residents' income levels, customer consumption habits and preferences, etc., and conduct a comprehensive analysis of different aspects of the regional market. Differential pricing is implemented regionally. This can effectively solve the problem of inconsistent acceptance of credit card products by different customer groups, better attract potential customer groups, maintain existing customers, and enhance customer loyalty to a certain extent. Agricultural Bank of China has implemented a differential pricing strategy for intermediary business products to reduce costs, improve competitiveness, and improve customer satisfaction, thereby achieving the purpose of increasing 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, and continuously strengthen cooperation with online social platforms, e-commerce marketing platforms, and online media platforms as well as Communicate and cooperate with various traffic platforms to make full use of customer relationships for online word-of-mouth marketing. Offline, commercial banks can adhere to the "counter marketing + intelligent terminal marketing" model; online, they can use the innovative approach of "online banking + mobile banking + Alipay" to establish an all-round online and offline three-dimensional marketing service system. In the marketing process, China Construction Bank pays attention to strengthening the overall linkage and collaboration between various business departments within itself and within the industry, increasing cross-marketing efforts, giving full play to the advantages of corporate institutions and customer resources, and strengthening public-private linkage and individual business linkage. ?Promotion strategy

In the era of big data, the promotion model of commercial banks is completely different from the traditional promotion model in the past. The promotion model in the context of the big data era is more inclined to conduct targeted promotions for customers, releasing customers’ future consumption needs. At present, my country's five major commercial banks have basically carried out various promotional activities such as points reward marketing, important holiday themed series marketing, installment marketing and promotion, and focus marketing. However, in the context of the big data era, commercial banks can record customer responses and transaction status after each promotional event by analyzing customer-related consumption data, which mainly includes the latest consumption record, customer consumption frequency, and consumption amount. , continuously update customer information, judge the actual needs of customers through their consumption behavior, thereby recommending relevant products, and achieve accurate information on promotional products for different customers, so as to achieve better promotional effects.