The salary for credit card sales ranges from “less than 1,000 yuan” to “more than 10,000 yuan”.
In terms of specific remuneration, recruitment contacts from many banks said that since it is linked to performance, the salary of those who do well can exceed 10,000 yuan. Taking China CITIC Bank as an example, it is reported that the basic salary of sales staff is 2,100 yuan, and the commission ranges from 2,100 to 8,500 yuan. Considering the high cost of living in Beijing, the commission for recruiters in Beijing can be multiplied by a factor of 1.3. In other words, in theory, the salary of a salesperson can indeed exceed 10,000 yuan.
The recruitment contact person of Huaxia Bank told this reporter that in addition to the basic salary, the commission for selling 30 cards per month is 20 yuan per card. The amount of commission will also increase as the number increases. If the sales If the staff can issue 100 cards per month, the commission will increase to 60 yuan per card. In addition, more than half of the issued bank cards must be activated and used. If the usage rate exceeds 70, the salesperson can also receive a commission of 100 yuan per card, and the two commissions are cumulative.
However, the bank's recruitment contacts all admit that employees who do not do well (poor sales performance) mostly resign and leave, and the bank's "endurance period" is generally two or three months.
Wenwu said that compared with third-tier cities like his hometown, credit card sales in Beijing are actually particularly difficult, especially in some so-called prime locations, relying on strangers to visit, "practice stalls", and " Traditional methods such as "sweeping the streets" are difficult to achieve large incremental customers. On the contrary, newcomers can rely on untapped personal connections for several months. The reason is that although the permanent people in prime locations (including group customers) are high-end customers, most of them have already applied for one or even several credit cards, and are repellent to new credit cards and have a very firm attitude; while those who are mobile Most of them belong to the "Beipiao tribe" and are worried about their livelihood. How can they be in the mood to stop and listen to the sales staff introducing credit cards. The so-called high salary is just a legend for most practitioners.
Most salespeople are familiar with the strange visits described by Wen Wu, who mainly sell people they have never met or contacted before. The locations are mainly commercial office buildings; the so-called "practice stalls" are stall sales that are often seen in crowded areas such as shopping malls, large supermarkets, subway stations, etc. Sales staff usually need to pay fees to the venue provider, otherwise they have to pay a fee to the venue provider. They face the risk of being banned by the urban management; and "sweeping the streets" is even more unreliable. The success rate of talking to people one by one in a certain area is very slim.
Reality also seems to support Wenwu's description - if credit card sales are as good as described in the recruitment notice and have career development prospects, banks are unlikely to recruit all year round because of a shortage of people.
The reporter also learned during unannounced visits that the assessment of credit card sales staff must consider both the number of cards issued and the card activity rate. Some banks even assess the number of credit cards swiped. Taking a joint-stock bank as an example, if a single assessment task fails to reach 80%, the individual commission may be cancelled; if the total assessment task fails to reach 60%, all commissions will be cancelled, and those who fail to complete tasks continuously will be dismissed.