For customers, the product they buy is not the product itself, but the various benefits provided by the product, or the solution to certain problems. A credit card is not just a card, but includes three levels: core products, tangible products and bonus products. The core product is what we call a credit card that can be consumed first and repaid later. The tangible product is of course the external design of the credit card, and the bonus products are the interest-free period of the credit card or some more favorable special regulations of the special merchants.

In the field of credit card marketing, there are many related marketing strategies, such as price marketing strategy, volume marketing strategy, brand marketing strategy, etc. Under certain conditions, these marketing strategies have played a positive role in promoting credit card marketing. However, it is inevitable that the above-mentioned marketing strategies will also lead to low-price competition, duplication, inefficiency and brand differentiation. Not a high-level question. These are often caused by the particularity of credit card marketing, which has been covered in the previous discussion.

Successful marketing itself is the perfect combination of people and products, and this is no exception in credit card marketing. So this article focuses on the relationship marketing between people and the relationship between product demand and demand. Long tail marketing is used to discuss the strategic issues of credit card marketing in my country. Relationship marketing is the premise of long-tail marketing, while long-tail marketing supplements and deepens relationship marketing.

While realizing that banks also need to conduct market-oriented operations, almost all banks have chosen to conduct market-oriented operations for some of their financial products first. Including foreign banks, in the early days of entering China, when they had no advantages in network and customer resources, they also unanimously chose to use typical financial products as the main means of acquiring customers. But on the other hand, consumers are dazzled and overwhelmed by the wide variety of financial products. Faced with numerous products that “look similar”, consumers are at a loss as to what to do.

The above phenomenon shows that financial products are currently the main means of competition that banks attach great importance to; however, judging from consumer feedback, the marketing and promotion effects of financial products of various banks are not very good. How do banks market financial products? How to conduct effective financial product marketing? This is a very headache and concern for banks.

As the core of bank retail business, credit cards have attracted great attention from domestic banks. At the same time, the small plastic card is also the spokesperson for bank services and brand, because it is the best form to make the bank's intangible services tangible, and it is also an important carrier to establish a distinctive personality and distinguish it from other brand identities. Therefore, today we will only talk about the marketing of financial products using credit cards as a representative.