What is the experience of running a credit card in the financial industry?
I worked as a credit card marketer in Changsha for three years from the end of December to 15 years. I'm hungry, and I've been engaged in the business of financial loans since then, and I still have a certain understanding of this business. Now, let's talk briefly
Ninety-nine percent of credit card marketers are outsourced by banks, that is, they sign third-party labor contracts, which have no direct labor relationship with banks. Banks just give you the right to issue credit cards, so that you can go to the office building to find a match in the market. Most people will give up if they don't persist for half a year, because there are tasks every day, and the director will track them in real time every day. At what time, how many households have been completed, and the unfinished ones will be fed back. Many people will give up if they can't stand this pressure. Moreover, the salary given by the bank is divided into salary, commission on the number of cards issued and commission on activation. Many times, when you issue a card successfully, the customer fails to activate the card at the specified time, and you have no commission on this card! With the vigorous promotion of online self-service application cards of banks, as well as many self-service card issuing reasons such as WeChat official account and App, it is becoming more and more difficult to push cards now!
Of course, some salesmen who have survived that painful period may have a better life. Many salesmen++promote credit card machines while issuing cards. Although banks severely crack down on this behavior, it is already a tacit thing among credit card promoters. When issuing cards, customers are required to activate one or two Pos machines promoted by themselves, which not only brings about 5-1 cashback for activating one machine, but also allows customers to share a considerable amount of income in later credit card swiping.
Many people cooperate with the loan salesman at the same time when running the card. Customers who need funds will be pushed to the friends who make loans, and they can get corresponding rebates or even charge extra loan fees to customers!
In short, a credit card promoter is simply a salesman who runs the market. If he only does credit card promotion business, it is estimated that this business is very tired. If we only use this credit card promotion as a platform to develop other businesses, we can get twice the result with half the effort!
hello, just like all sales industries, running a credit card depends on the word "diligent". You have to run outside when others are eating and when others are resting. I don't do credit cards, but I also do sales. I can tell you from my own experience. At 9: in the morning, the company opens, and after half an hour of meeting time, I either sweep the street with my bag on my back. Sweeping the street means worshiping the past in every shop, and it's not aimless sweeping. First, I want to know where I want to go today, or which office building is the same. The elevator sits at the top floor and sweeps the company down layer by layer. It is common to spoil people's eyes, but it is nothing. The most painful thing is the dog days, going out for ten minutes and sweating for two hours. The big sun makes you breathless. The financial industry should also display exhibitions everywhere, insert cards, score++,and post small advertisements. If you go farther away and go out in the morning, you may not get home until late at night. If you are alone, you may be checked by the police too late at night. If you happen to be doing a city appearance inspection at that time, you may be caught by the city management. I have encountered these.
In a word, no matter in finance or any industry, as long as you are in sales, you should not think about holidays, let alone nine to five. You should always be prepared, which is very hard, but also very hard.
if someone says it's easy to do sales, you can take it as fart, because you didn't try your best.
If you simply say what it's like to run a credit card, I don't think it's much different from other sales industries. Credit card is also a product, but it's more convincing that this product is linked to a bank!
But it's not easy to sell credit cards. You have to go to customers every day. For those who don't know about credit cards, you will be rejected directly as an insurance salesman! If he hasn't used a credit card, he won't understand the value of it, and it's useless to promote it again, because he thinks I have money in his mind. Why should I apply for a credit card? I believe many salesmen will encounter such a situation!
of course, for some people who like to use credit cards and know how to use them, it is easier for salesmen to promote them. People who have several credit cards like me have a great demand for credit card business, and sometimes they will introduce many friends to handle credit cards. They like customers like me, and they are always welcome!
But generally speaking, running a credit card is also a very hard process. Like running other sales, you will meet all kinds of customers. Selling is very hard! But no matter what line of work you do, you will produce talents if you stick to it!
Hello, my friend, I'm Xiao Hu, and I'll answer.
in the financial industry, the profit from running credit cards is very considerable. [Proud] I made a video about the income of cardholders before. Because I used to run a credit card for a long time before.
let's talk about the income.
most card clerks in all banks are based on basic salary plus performance. That is, how much to pay for a card, and a certain amount will have a better commission. The commission is 5-3/ piece, which is amazing. Two, three, three or four tickets a day will make a lot of money.
advantages and disadvantages in the current market.
However, there are many channels for online card handling, and the commission paid is not less than that of card holders. Therefore, many foreign card holders have mushroomed, and they will go to the market as a badge.
Many salesmen are not professional enough. For example, the information is not properly filled in. Or exaggeration is illogical. In this case, customers will be troubled, and the service will not be in place, which will lead to resistance. These are all visible.
how can I maximize my income and benefits as a card clerk?
the average salesman will only make cards in a single way. Or the salesmen of several banks connect with each other to introduce customers.
Usually, they also forward more information, and a customer may have many needs. This has improved your image. Put Money in your pocket again. [Blinking ]
This is my answer. Thank you. I hope I can help you.
it seems that it is not very easy to run now!
At present, cardholders can still keep running every day. In our small third-tier cities, there are still many cardholders who are safe, but few in other banks. The main reason is that many platforms now have online application links, and there is no threshold for friends to send one. Some people register and pass the rebate of 18 yuan.
speaking of this! I have to say that I am quite tired. I started running cards last year. I have to go out early and come back late every day for a month's workload and to earn more money. No matter what difficulties I encounter, I have to stick to it. You should understand that no line is very easy, and nothing can have a good result without sticking to it! Running cards is a very tiring thing, but relative diligence will also bring you very good benefits.
You have been doing it for two years, and you have completed 3 cards every month. At present, you are paying 7,+[yi tooth] [yi tooth] [yi tooth ]
Sweeping the streets to accumulate customers and get some loans by the way. Make more financial friends. The most important thing is that you have channels to get large sums.
it's a bit far-fetched to tell the truth that running a credit card is a financial industry.
General bank employees will require a certain amount of credit card processing tasks, but the kind of credit card business that sweeps the streets is often not a formal bank employee.
In fact, this kind of credit card running is not much different from selling goods. It is nothing more than setting up a stall on the street, and the goods sold are credit cards. Relatively speaking, credit cards are easier to sell, because most people will get a credit card as long as their qualifications permit. Some unqualified people who need money will also find various ways to handle credit cards. Especially those bosses who do business need+++credit cards, so selling credit cards is much better than selling ordinary goods.
But in essence, selling credit cards on the street is still the lowest level in this financial system.
How to run eight credit cards a day
There are the following ways to run eight credit cards a day:
1. Set up a stall in a crowded place in a shopping mall, and set up a shop in a crowded place. There will be many possibilities in a crowded place. People may also take many practical actions to find customers if they want to apply for a credit card, such as sweeping the street for sales or telemarketing. The traditional sales model is more conducive to credit card managers to find customers, especially the credit card forms acceptable to the public, which are all completed through traditional sales forms.
2. Vigorously publicize and give more small gifts to publicize the advantages of the bank's credit card. Every bank that handles credit cards can handle it, but why do you need to handle this bank's credit card? Then the discounts it can give will also greatly increase the number of people who handle credit cards.
3. You can go to various units for promotion during office hours, but since all units have strict registration systems, it is best to have certain relationships to enter smoothly.
4. Carry out publicity and promotion through the internet platform to attract customers in need, and learn to use some hot topics in the market to expand the popularity of credit cards and enhance the value of their products.
5. Make use of your circle of friends. Credit card handlers can also find customers from the circle of friends around them. They have a foundation of trust in themselves and it is easy to make a deal. I can also help myself to complete the task as soon as possible and gain sales confidence.
how about the work of handling credit cards in the bank? I am a girl.
it's hard to handle credit cards in banks.
1. There are several large posts in the credit card center of the bank:
Management posts; Expanding jobs are the most jobs in bank credit card centers, and so are channel expanding jobs; Personnel and finance positions are responsible for personnel and finance, but many credit card centers in banks are not self-service finance, so they are not necessarily set up; There are many technical jobs, such as the development of new wealth management products, the development of mobile products, network maintenance and technical services. In addition to the above positions, the bank credit card center has also set up many other positions.
Second, the job of the bank credit card center is to do business
Simply put, it is to let customers handle the credit card of their bank. Each bank credit card center handles credit card business. The credit card center is a huge department, which generally belongs to the secondary department of the bank, including risk control, customer service, gifts, joint activities and so on.
all functions of a credit card need to be managed by a credit card center. For example, card approval, credit rating, consumption account recording, risk control, credit card preferential activities, card integral management, etc. These are core functions, and are generally formal employees of the banking system. Like telephone customer service, it is generally outsourced.
Third, the meaning of credit card
A credit card, also called a debit card, is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
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's credit card center and a bank lies in the management problem. Credit cards are generally run by a third-party organization, and only a few banks have people to dock business. Banks are internal, but the people recruited now are basically contract workers sent by the third-party labor department.
why do banks develop credit card business
why do banks develop credit card business
credit cards can bring rich intermediary business income (handling fees) to banks, which is a large part of the income of banks now. At the same time, it can revitalize bank funds.
Why do banks do credit card business
Why do you ask? Credit card business has become an important part of major banks. The key is to make money and strive for a share of payment!
why do banks develop bank card business
1. The handling fee of bank cards is obviously more than that of passbooks, so it requires a factory fee and an annual fee when handling them. In addition, bank cards are easy to carry, and if they are taken to other places for use, they are business in other places, and they require a handling fee
2. They are convenient to use, and there are many bank card businesses, covering almost all banking businesses. Of course, it is not enough to say that one card is enough, and credit card consumption is supported at the same time. You can also handle many services (deposit, withdrawal, audit and transfer) by yourself to reduce the manual operation cost.
The advantages of commercial banks' efforts to develop credit card business
Credit cards are issued
One is for the stickiness of bank customers, so that customers can have a certain deposit in this bank.
one is that you can charge credit card interest.
one is to charge a certain percentage of deduction fees to merchants.
For example, if the repayment is overdue, someone will start to charge interest on the overdraft.
When swiping the card, the bank and the merchant have an agreement that they will charge a certain percentage of the handling fee.
Is there a credit card salesman in Tanggu who handles SDB?
Go to the bank and ask
Why do banks develop channel business
Because traditional channels such as counter channels and account manager channels. The cost is relatively high. And new channels, such as electronic banking channels (such as online banking, telephone banking, mobile banking) and self-service equipment channels (ATM), bring less costs to banks. Therefore, in order to save costs, it is necessary to vigorously promote these businesses.
If you are satisfied, please adopt
Why is the credit card business an intermediary business of a bank?
In a broad sense, the intermediary business of a commercial bank "refers to the business that does not constitute assets and liabilities on the balance sheet of a commercial bank, but forms non-interest income of the bank";
On the basis of asset business and liability business, commercial banks make use of the advantages of technology, information, institutional network, funds and reputation, and do business activities of receiving and paying, consulting, agency, guarantee, leasing and other entrusted matters for customers as intermediaries and agents, providing various financial services and charging a certain fee;
In two traditional businesses, asset business and liability business, banks participate as one party in credit activities;
Intermediary business is different. Banks no longer directly act as a party to credit activities, but only play the role of intermediary or agent, and usually provide paid services.
Has the credit card salesman developed?
This is a commission, and the more people activate the card, the more they earn.
It is best to have a certain personal relationship, so that some people who open the card for the first time can get a commission. The basic salary is different in different places and different card types.
Why has the bank credit card business developed so rapidly?
1. Every company that pays wages and loans in the bank can't run away, and it can't be done without
2. Bank cards do have their convenience, so you don't have to carry so much money with you. If you lose them, you can report the loss without any loss, and you can overdraw when you need them urgently, etc.
Shenzhen Development Credit Card
is not an inter-bank fee, as if it didn't; However, the withdrawal fee is very high, 2.5%; There is interest, it's not worthwhile!
banks