On the credit card industry development model] is a modern market economy, commercial banks in the main body of the financial system, in a country's economy plays an important role. Since reform and opening, China's increasing number of commercial banks, have been expanding. After joining the WTO, China's financial sector reform and opening up the breadth and depth of a qualitative change, which gives China's commercial banks to speed up development and a good opportunity to participate in international competition, it also brings greater challenges. In response to competitive challenges from home and abroad, commercial banks have conducted a joint-stock reform, to build a standardized corporate governance structure, the introduction of advanced management concept of commercial banks, in order to narrow the gap with the advanced international banks to improve competitiveness and laid a solid core the foundation. At the same time promote the development of information technology, commercial banking and financial product innovation and business environment changes, along with new business and new products appear and the transformation of traditional business and products, commercial banks continue to expand business, increase product variety, service increasing function of the banking industry more and more obvious features of the intellectual-intensive, commercial banks, a new trend for a higher quality of employees in the requirements. Commercial Bank of competition embodied in products, services, competitiveness and ability to resist risks, competition among commercial banks, the final analysis, talent competition. This paper discusses the development of Chinese business credit card current problems, such as target market issues, risk management, human resource management issues. That the development of China's credit card business to have a good development environment, to transform their operational mechanism in time, change management concepts; credit card business with the Chinese development of a virtuous cycle. Key words: commercial banking, credit cards, the market, the problem