The operating mechanism of Citibank's credit card business, the image of the global financial market leader maintained by American Citigroup for a long time, has been widely promoted in China card-issuing banks: absorbing the banking management concept of Citigroup's big retail, re-examining the strategic position of retail banking and credit card business from the height of strategic transformation, and comprehensively planning the development strategy of retail banking and credit card business; Drawing lessons from the organizational structure of Citigroup's big retail bank, according to the requirements of specialization, standardization and internationalization, an independent credit card business department is established to build a credit card business development system with integrated management; Without top talents, Citigroup will not have a first-class employment concept, implement professional projects to promote the extraordinary growth of credit card business with the help of external wisdom, and hire overseas senior credit card business experts as the leaders of the credit card business department; Follow the competitive strategy of Citigroup's leading market share, realize the explosive growth of credit card issuance through strict target management and performance appraisal, and seize the development opportunity and compete for market share while exploring customers and cultivating the market; Referring to the marketing model of Citigroup's outreach marketing, establish a direct sales team to promote credit cards and expand new customers, and then take credit card business as the entry point to promote cross-selling between business lines. This is in marketing.