Credit Card "Internet+" Markrting Pattern Based On O2O

After decades of development,the scale,the network construction and the supporting services of domestic credit card business market have made remarkable achievements. For example, advertising and promotion,service and product innovation,service orientation and system marketing is in constant breakthroughs. Along with this changes of domestic credit card business market, the theory of Marketing Management is also changed, Theory STP, Theory 4Ps, Theory 4Cs and the newest Theory 4Rs Theory. The theory company-centric or market-centric cannot support marketing as well as before. At the same time, the domestic credit card business is in a hot competition.Face with the severe homogeneity, flooding of opening card and the inadequate risk monitoring, current theory and Pattern cannot bring new business growth and breakthrough.In order to break the situation, looking for new marketing Patterns and methods.Fist, Analysis of the existing problems in the process of credit card marketing ,the credit card business are showing characteristics of resources integration, the channel specialization, Internet marketing and personalized needed were summed up. Then with the latest business models and technical means,combined with many years of credit card marketing experience, the commercial bank credit card marketing model, strategy,channels, put forward new ideas and methods. Based on the marketing theory 4Rs,which is customer-oriented, an innovative credit card marketing pattern-an credit card marketing model on account of Internet+ and 020. With the description of the theory from the aspects of correlative strategy, response strategy, relationship strategy and Return Strategy, it will show that the theory is feasible and advanced.In order to verify the effect of this pattern, it will take a branch of GD bank as an example, based on the actual circumstances of the credit card business and its resource allocation and marketing strategy,targeted to develop a set of feasible marketing combination plan. After the implementation of one year, compared to the data of the bank credit card business in recent three years, it analyzes the marketing effect, and provides some suggestions for improvement.Taking the credit card marketing as foothold, and in the combination with innovation and the latest business models and technology, this thesis put forward the new marketing strategies and plans. For better innovation and development of the credit card business, it raises some personal thinking and ideas which has certain reference significance.