Bank credit card marketing

To predict customer differentiation,marketing efficiency

To maxamize marketing efficiency, minimize marketing cost

Product cross sales

To investigate correlations between products, customers and channels

To supervise the combined product sales and new business promotion

Credit evaluation

To grade credit limit

To balance risk vs returns

Fraud alertness

To forecast the probability of customer fraud

To lower the risk of bad debt and overdrafts

Customer's life cycle

To evaluate and position the customer's life cycle

To understand the customer value, facilitate customer relations management and marketing