As a modern financial tool, credit card is gradually accepted by more and more people because of its convenience, fashion and safety. With the development of China's market economy, the improvement of people's living standards and the continuous improvement of credit card environment, the credit card market contains broad development space. However, with the commercial banks issuing their own brand credit cards in succession, how to make China's CITIC credit cards stand out in the fierce competition market has become an urgent concern for credit card marketers in China. The following is my credit card marketing work for two months.

As a credit card marketer, you should have confidence, patience and perseverance, master a series of marketing skills, establish the consciousness of "service marketing", and go to the market in a planned and step-by-step manner.

First, grasp the product, be familiar with the function of credit card and analyze it from the customer's point of view. What can he bring with our CITIC Credit Card? According to our current promotion policy of CITIC Credit Card, we can provide customers with convenience for daily shopping and consumption, and at the same time, we can enjoy the efficient and high-quality service of CITIC Industrial Bank, plus two free insurances given by our credit card. I think as long as we guide patiently, most customers will not refuse. Only by fully understanding and mastering the professional knowledge of credit cards can we have the confidence to go to the market.

2. Target customer orientation: At present, the Fuzhou market (especially Class A customers) has some negative effects on our CITIC card due to some illegal operations of CITIC credit card outsourcing agents in the early stage. Therefore, at present, I mainly develop the group for Class B customers (large local state-owned enterprises) and actively promote it to Class A customers.

Third, face-to-face marketing with customers: at this time, we need certain marketing skills, which are constantly summarized and improved in our work. First of all, when visiting customers, you need an attractive and tempting opening statement, and a reason why customers are willing to communicate with you. Of course, for different types of customers, there must be different opening remarks on different occasions. When customers are willing to communicate with you, it is best to find a breakthrough among people in the company (people with popularity and certain power) (such people are usually potential customers who operate our CITIC credit card gold card, and tell him our current CITIC credit card policy. As long as the company purchases more than 30 pieces for the first time, it can apply for gold and platinum cards for the first year. ) I hope I can use his influence to help us market, and get twice the result with half the effort. Of course, I can't expect him to help you promote credit cards. When the breakthrough is opened, I must be good at analyzing the customer's psychology, make good use of the overall effect and follow the trend. Most customers have a mentality. When customers apply for a credit card for the first time, their psychology is still the same. Could it just be my impulse? "At this time, he usually encourages other colleagues to apply for cards, because he feels that only the more people who apply for cards can prove that his choice is correct. When this card-handling atmosphere is provoked, he must seize the opportunity, act decisively, shorten the customer's consideration period, and strive for the company to handle cards in a large area. When the company's promotion work is over, he will recommend them by the way, so that our customer resources will not be exhausted.

Fourth, in the marketing process, we often meet some customers with different degrees of rejection. At this time, we need to make the most agile response to the customer's refusal, constantly sum up in our daily work, be aware of it, calmly deal with it, and make effective refusal handling. Here are some common customer rejections and their solutions:

(1) "I have several bank credit cards on me and don't want to get another one." This kind of customers usually have high income and stable jobs, which is the goal of banks' efforts and they also know more about the practicality of credit cards.

Response: We should highlight the comparative advantages of CITIC Card in our bank compared with other bank credit cards. For example, we have the longest interest-free period, the most favorable points, and double points in the birthday month. We can shop in interest-free installments in Gome, and we can successfully get two insurances when we get a card. At the same time, our application is simple, efficient and thoughtful. "Without adding any burden to you, wouldn't it be nice for us to help you get a Zhang Zhongxin credit card for free and let you choose one more card?"