信用卡是一种特殊商品。信用卡市场是一个由客户（持卡人）与 特约商户（商家）共同组成的市场；信用卡市场是一个以提 供无形服务为主的市场，持卡人对信用卡的需求主要体现在他对特约客户和银行为其提供有关服务的需求上；信用卡市场受国家有关财政、金融政策的影响较大，信用卡的发行与凭卡消费不仅受到中国人民银行的金融监管，而且还受到有关财务制度的严格限制。因此，信用卡市场的营销策略必须从这些特点出发，相应制定与完善，该文对此做了一定的探讨。 Credit card is a special commodity. The credit card market is a market composed of customers (cardholders) and special merchants (merchants); the credit card market is a market dominated by the provision of intangible services. The cardholder’s demand for credit cards is mainly reflected in the fact that he is a member of special customers and The demand of banks to provide them with relevant services; the credit card market is greatly affected by the relevant financial and financial policies of the country. The issuance and receipt of credit cards are not only subject to the financial supervision of the People’s Bank of China, but also severely restricted by the relevant financial system. Therefore, the marketing strategy of the credit card market must start from these characteristics, and make and improve accordingly. This article makes some discussions about this.