What departments are there in the credit card center?

There is an examination department, a business department, a finance department, and a collection department

The credit card department manages all credit card matters, including credit card inquiries Apply for users' credit qualifications, apply for credit cards for qualified users, calculate credit card interest and service fees, track overdue users' personal information and recover arrears.

The credit card center mainly has the following departments: review department, business department, finance department, and collection department.

The bank's credit card center mainly has several major positions: management positions; development positions, which are the most common positions in the bank's credit card center, and channel development positions are also in this category; personnel and finance positions, responsible for People and finance, but many bank credit card centers are not self-service finance, so they are not necessarily set up; there are many technical positions, including the development of new financial products, mobile product development, network maintenance, technical services, etc. position. In addition to the above positions, the bank's credit card center also has many other positions.

The job of the bank credit card center is to do business. Simply put, it is to let customers apply for credit cards of their bank. All bank credit card centers handle credit card business. The credit card center is a huge department unit, usually a secondary department of a bank, including risk control, customer service, gifts, co-branded activities, etc.

All functions of the credit card need to be managed by the Credit Card Center. For example, card approval, credit rating, consumption account records, risk control, credit card promotions, card points management, etc. These are core functions and are generally formal employees of the banking system. Telephone customer service is generally outsourced.

The credit card center is relatively independent in management, similar to a branch, but under the management of the head office. However, the difference between a bank credit card center and a bank lies in management issues. Credit cards are generally run by third-party institutions, with only a few people from the bank handling the business. The bank is internal, but the people it recruits now are basically contract workers dispatched by third-party labor departments.

How is the Credit Card Department of China Merchants Bank?

The jobs in the Credit Card Department of China Merchants Bank are relatively good, and usually the promotion mechanism is relatively complete. The details are as follows:

1. Teller in the Credit Card Department of China Merchants Bank:

(1) Work intensively in the accounting line, set a business benchmark, be promoted to teller manager, and then compete to be hired as accountant of the branch Supervisor, and then competing for the position of deputy president of a branch, it usually takes 5 to 8 years to get here. If you go higher up, you can climb to the accounting department of a provincial branch and become a small leader, then compete for the position of general manager of the accounting department, and then move to the head office.

(2) Transfer to an account manager position and follow the marketing line. Generally, you need to have a strong marketing awareness when working as a cabinet, and transfers generally require you to take a written test and interview.

2. Account Manager of Credit Card Department of China Merchants Bank:

(1) Always working as an account manager: Account Manager Assistant → Account Manager → Senior Account Manager Assistant → Senior Account Manager → Private Banking Consultant , it takes more than 5 years. As the level continues to rise, salary income also continues to increase, and the customers managed become more and more high-end. Mainly relying on professional knowledge to promote performance growth to increase income, but I have been working in the branch, receiving Management of branch heads.

(2) Competition for the position of branch president. The president of a branch usually needs to be replaced every three years, and every year there are always presidents who are dismissed due to poor performance, so if you like to be a leader, you can usually participate in the annual branch president election after having 3 years of work experience. Competition for recruitment. Being a branch manager is very stressful. You are burdened with more than 50 indicators every year. If you fail to do well, you will receive a red card and be dismissed directly.

(3) Develop to relevant departments of provincial branches. For example, the private account manager goes to the private finance department, the corporate account manager goes to the corporate business department, and the retail loan account manager goes to the credit department, and then becomes a leader in these departments.

Extended information:

Notes on the work of China Merchants Bank’s Credit Card Department:

1. Banking skills training:

Introduction to the bank’s Business scope, main products, market positioning, target customers, competitive environment, etc., to enhance the market awareness of new employees; at the same time, the teller position will mainly learn theoretical knowledge such as basic financial knowledge, accounting operating standards, counter teller business, and master banknote counting and cashiering. Practical skills such as subpoenas and digital entry;

The account manager position mainly learns the bank’s specific business types, customer marketing skills, business system operating procedures, etc.; skills competitions and assessments are generally organized during the business training process. And finally make an assessment and evaluation of each new employee, so students should take it seriously and perform actively, so that they can quickly adapt to the work environment after taking up the job and win the recognition of the leadership.

2. Banking professional image training:

Banks are a typical service industry, so they attach great importance to professional image. During the training period, banks will hire professional etiquette teachers to provide students with Explain etiquette knowledge, including polite language, standing, sitting, walking training, appearance and appearance, etc., to help everyone better transform their professional image and become a qualified banker.

When applying for a China Merchants Bank credit card, will the staff call the unit for verification? If it is an ordinary small company, will it be approved?

The analysis is as follows:

1. If you apply for a China Merchants Bank credit card, our bank's review department will review it through multiple channels and methods when accepting your credit card application, including phone verification. It is just one of the processing methods, but it is not a necessary process, so there may be audit results without contact. If you are contacted and the information you check is randomly selected.

2. The most important condition is to have a stable job and income. The necessary application documents are copies of identity certificates and work certification documents. It will be more helpful if you can provide other financial documents. Our understanding of your personal situation and credit limit determination.

3. The credit card application review is comprehensively evaluated by the system. During this period, we refer to many factors, such as age, job stability, income, personal credit and other aspects.

Extended information

1. Application conditions

(1) Chinese residents who are over 18 years old, have full capacity for civil conduct, and have good credit standing, and are resident in China Foreigners and compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card master card from the card issuer with their valid identity documents. The main cardholder of the personal card can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.

(2) Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic deposit account in a financial institution within China and has independent legal person status can submit a deposit account issued by the People's Bank of China. Apply for an organization card from the card issuer with the basic deposit account opening license and other supporting documents (if you need to apply for an international organization card, you must also have a foreign exchange settlement account). The qualifications of the company card holder shall be designated and revoked in writing by the legal representative of the company or his authorized person. The applicant unit shall bear all debts incurred by the unit card.

(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully according to the card issuer's regulations and submit relevant supporting documents required by the card issuer, and agree to the card issuer's request to any Relevant departments, units and individuals understand and inquire about the credit status of applicants, and retain and use relevant data.

(4) The card issuer decides whether to issue a card based on the applicant's credit status, whether to require the applicant to provide guarantee and the method of guarantee, determines the method and type of card collection, and the credit limit to be granted to the applicant, etc. . Unsuccessful application materials will not be returned.

(5) The ways in which the applicant provides guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract should be signed separately for guarantee. The scope of guarantee covers all debts incurred by cardholders under their credit cards (including but not limited to principal and interest of overdrafts within the credit limit and overdrafts beyond the credit limit, over-limit fees, late fees and recourse fees).

(6) After receiving the credit card, the cardholder should immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card for transactions, otherwise, The cardholder is responsible for any losses incurred.

The card issuer also provides cardholders with inquiry passwords and transaction passwords (i.e. cash advance passwords and card consumption passwords) through designated channels.

2. Application method

(1) In-store processing; staff from the credit card department of the local branch of China Merchants Bank will come to apply for the card; make an appointment online, and a dedicated person will come to collect the card.

(2) Online reservation application qualifications: "Easy reservation, door-to-door card application" application conditions include the following three points but are not limited to these, whether the final application is qualified for door-to-door application

(3) Conditions Still subject to review by China Merchants Bank Credit Card Center.

(4) Domestic residents (please provide ID number): aged 18 to 60 years old;

(5) Have a stable career and income, good credit and timely repayment Ability to pay interest; (Students in school please do not apply)

(6) The area you are located in is within the scope of door-to-door collection service of China Merchants Bank Credit Card Center. For details, please see the online information filling page.

3. Gifts for new households applying for and recommending cards:

(1) During different activities, new households applying for different cards will receive different gifts or points. .

(2) If you recommend a friend to apply for a card or apply for a supplementary card for a relative, you may receive corresponding gifts.

Reference material: Baidu Encyclopedia - China Merchants Bank Credit Card

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