A Study On The Issues Of The Industrial And Commercial Bank’s Credit Card Information Service

Credit card is a kind of virtual financial form, which must be proved by informationtransmission, so that the information service becomes the essential demand for credit cardusers. To exaggerate the contrast between the same industry, in this paper, we comparativeanalyze the credit card information services of several representative domestic banks,summarize some important aspects about the development of credit card informationservice currently, choose the credit card information service types of Industrial andCommercial Bank of China (ICBC) as a case study through questionnaire investigation andinterview method, and introduce the existing credit card information service combined withthe actual service content of ICBC.Combined theory analysis with case analysis, we concluded that, in order to improvingthe industrial competition ability, we need to change the service concept frominformation-centered to user-centered, focus on users’ focus and convenience, break thetraditional way, combine with the network communication technology, make theinformation service "virtualization" and “facilitation”.