By encouraging branch employees to adopt cross-marketing, it is beneficial to quickly form a number of large-scale cards with high quality and low risk coefficient, which is the main strategy adopted by card-issuing banks in the initial stage of promotion.

2. Professional direct sales promotion

Professional direct sales promotion can be divided into two forms: internal promotion and outsourcing promotion. Outsourcing direct selling strategy is generally suitable for branches and card-issuing banks with a small number of employees.

Direct selling by banks is a common promotion strategy adopted by card-issuing banks at present. Through the establishment of a strict and meticulous salary assessment system, training counseling system and team management system, the subjective initiative of business personnel is constantly stimulated, the promotion direction is calibrated, and the operation process is standardized, so as to achieve the professional, stable and efficient promotion ability goal.

3. "Mouse+Cement" Network Marketing

According to the17th survey of CNNIC, the number of netizens in China exceeded 65,438+200 million at the end of 2005. More than 53% netizens tried or were willing to spend money online, and more than 60% netizens earned 2,500 yuan or more a month. The potential target customers of credit card online marketing channels are huge.

4. Thinking about channel combination strategy.

First of all, to promote credit cards through the corporate banking and retail banking marketing systems of branches, we should pay attention to the business characteristics of public and private account managers and the characteristics of reaching higher-level customers, take cross-marketing and project marketing as the main line, and actively guide them to promote high-end credit card products such as business cards, platinum cards and gold cards, with quality first. ?

Secondly, on the whole, the direct sales channels are mostly low-end target customers. Because they use a large number of promotion modes such as "exhibition and publicity" and "strange visit", they are most dependent and sensitive to credit guidance, marketing and market policies. At the same time, due to its relatively professional promotion skills, we should focus on promoting theme cards and co-branded cards with strong differences in products of issuing banks, with quantity as the first priority.

Finally, because there are significant differences in cost structure and level between online marketing and offline promotion, with the increase of online marketing share, how to give full play to the financial cost advantage of online marketing and protect offline promotion channels from impact is a subject that online marketing strategy needs to study.

Compared with the direct selling mode, the online marketing credit card has the following advantages:

(1) Break the time and space restrictions of marketing propaganda, and significantly enhance the marketing radiation and penetration of card-issuing banks.

(2) Saving and optimizing the marketing cost. ?

(3) By standardizing the service image and propaganda caliber online, we can solve the problems of false propaganda and false promises that have long plagued the promotion of professional direct selling, improve customer satisfaction, and help to enhance the brand of banks.

(4) Compared with offline direct sales promotion, online application for credit card customer information is the most standardized, which ensures the integrity of the information provided by the applicant to the greatest extent and is more conducive to the efficiency and judgment of background credit operation. At the same time, the privacy of personal information provided by customers who apply for credit cards and cases of misappropriation will be effectively controlled and solved. ?

(5) Network marketing can effectively reduce the cases of "fake promoters" in direct selling business, give full play to the advantages of IT technology, and provide substantial help for card-issuing banks to discover and discover promotional risk cases more comprehensively and timely, and master the risk application means such as "black intermediary".