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With GDP per capita growing steadily in China's large and medium cities, credit consumption steps into its rapid growth period. Base on an analysis of current bank card business model and its data processing flow, a novel operation model-dual-account card model is proposed. This model is a financial transaction security solution with good usability. To be compatible with current bank card system, it also enjoys a low upgrading cost. Dual-account card model allows 2 accounts in 1 card: the basic account is an income account; the external account is an expenditure account and the only account at risk. In an case study, some credit cards with their transaction records are randomly selected to build a data cube, in which, 5 customer groups with notable features are found by clustering. For each group, a new operating strategy is proposed to make this business more profitable.