Want to know what are the procedures for applying for a credit card?

Credit card application conditions:

1. Aged over 18 years old and under 65 years old;

3. No bad credit record;

4. Have a permanent job certificate;

5. Have a company stamp Proof of income from the financial seal;

6. Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.;

7. Proof of social pension insurance;

8. Provide two contacts.

Application process:

1. The first three conditions must be met. Provide 4-7 supporting materials as much as possible, which will increase the success rate of card application and credit limit. It is best to apply for a credit card at the bank counter. You will be notified by phone after approval.

2. Under normal circumstances, you can go to the bank where you want to apply for the credit card and consult the salesperson's phone number. When the bank's credit card business comes, you must fill out a credit card application form. This form needs to be filled out. age, name, income status, position and other specific information.

3. The original ID card is also required during the application process. Some banks require a photo with the staff. Provide the financial certificate provided by the company and stamp the company's financial seal.

4. After filling in all the information, you will enter the credit card review stage. Be patient. This period is the review stage for bank staff. They need to conduct a follow-up call on the phone numbers of themselves, home numbers, company numbers, and friends’ numbers left behind to confirm the authenticity of the information. You can check the progress of your credit card application on the official website of the bank where you applied for the card after making a phone call to confirm. If the credit card is approved,

5. The bank will send a message to notify the card that will be checked within the specified time.

If the credit card fails to pass the review, you will also receive a failed review message. It can be divided into phone activation, SMS activation, network activation and other forms to activate your card, set query password, login password, transaction password and other key information.

What should I say when sweeping the building to apply for a card?

Just tell me how to apply for a card.

When applying for a credit card, salespeople will often boast to us about the annual fee exemption, gifts, various points, etc. But when you have already applied for a credit card, you want to When you want to cancel your card, you will encounter many obstacles. When you make up your mind to call the credit card customer service number, the customer service will often use various tactics to persuade you to stay, and advise you to continue using the credit card. If the customer service will tell you You still have unused points. Do you want to cancel the points after you use them up? Another example is that the annual fee within the validity period is waived for you, that is, the annual fee is waived for you regardless of whether you have used it 6 times or not. Another example is I’ll give you dozens of yuan in spending money, give you some phone bills, etc. But if you are determined to cancel, be firm and tell the customer service that you must cancel the credit card, and the staff will help with it.

How to apply for and use a credit card? What are the requirements for applying for a credit card?

If you meet the application conditions for China Merchants Bank credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit.

If you are interested in a CMB credit card and have never held a credit card from our bank, you can apply in the following 4 ways:

1. Please log in to the credit card website and select "Apply" "Credit Card" - "New Customer Application";

2. Please bring your original identity certificate, employment certificate and financial certificate documents and go to any branch of China Merchants Bank to apply in person;

3. You can also call the customer service hotline, select "3#" in the voice message to apply for credit card consultation, and then select "1" to transfer the service specialist to register for you and notify our local staff to contact you to confirm the application.

4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version.

Remind you that the credit card status will be subject to the final review result.

Tips for applying for a credit card

In sales, it doesn’t matter whether it’s big or small.

A small business can be a needle-line business, a large business can be a multinational group. But in essence, they are all similar. Sales is not as difficult or low-level as ordinary people think, nor is it as mysterious as ordinary people think. It is just a test of life and a way of survival, but it exists in a free and unstable state. It can make you not make any money, but it can also make you rich and prosperous. So what are the tips for applying for a credit card? Now, just follow me and have a look. I hope you will be satisfied, thank you.

Four tips for applying for a credit card

Tip 1. Start with acquaintances when applying for a card

After graduating from university, Xiao Zhang entered a commercial bank and became a Credit card clerk. When he first entered the industry, he was also worried about unfulfilled task targets. Later, under the guidance of his "seniors", he began to mobilize friends and relatives to apply for cards.

"What about the seventh aunt and the eighth aunt? Basically all those who can apply for a card can apply for it, and students cannot be let go. Regardless of whether they have a credit card or not, the form has to be filled in first, and the information can be obtained first. , get a small gift later, no one will lose." Xiao Zhang feels more and more like an insurance seller, because selling credit cards is the same as selling insurance, "starting" from relatives and friends.

Tip 2: House sweeping sales

When all relatives and friends have applied for credit cards, and even friends of friends have applied for credit cards, how to find new "customer sources"? ?At this time, it’s time to sweep the building.

The so-called building sweeps mean going from office building to office building to sell credit cards to the employees of each company. In order to be able to touch people's hearts, credit card salesmen should learn how to sell. They can buy relevant sales books and learn to enrich themselves.

Tip 3: Buy gifts with your own money

Locks crisper boxes, cute cartoon cushions... It is not difficult to find that many citizens tend to pay for the gifts when applying for credit cards. Gifts go. If the bank does not provide gifts, the credit card salesperson can buy them with his own money. Applying for a credit card by relying on gifts to attract everyone's attention is not necessarily a loss-making transaction. For example, a credit card salesperson can get a commission of 40 yuan. If several salesmen "organize a group" to join together to buy gifts and share them among everyone, the cost will be more than ten yuan at most, and a net profit of more than 20 yuan can be made. Therefore, sometimes we see that it is necessary to apply for credit cards from several banks at the same time in order to get some expensive gifts. This method has been tried and tested by many salesmen and it is very effective!

Credit card application for salesmen Card Skill 4. Salesmen form a team to fight

After all, individual strength is very weak. At this time, the credit card salesperson can "form a team" with salesmen from several different banks to fight.

A senior credit card salesman said this: "'Group' can concentrate everyone's efforts, because everyone starts from the friends around them, and basically everyone can find more than a dozen friends every month. Apply for a card with an acquaintance, and then exchange the information of these acquaintances, so that each person can easily sell 100 cards. In this way, the task is easily completed, and our 'alliance' is often used in shopping malls, supermarkets, etc. At a stall like this in a place with a lot of customer traffic, every time a customer accepts a credit card promotion from one of the banks, several other salesmen will immediately hand over their own application forms and say in a very begging tone, "You can also fill it out for us." One piece, let’s complete the task.”

The advantage of “grouping” is that it is a good way to concentrate the efforts of multiple salesmen to complete their individual business volumes!

Methods to maintain credit card customers

1. SMS

From the perspective of telephone sales, SMS will also be a better way to maintain long-term contact with customers. One thing to note when using text messages is to use product and service introductions with caution. When a salesperson is going to introduce a product or service to a customer via text message, it is best to tell the customer in advance. If you blindly obtain some mobile phone numbers from some channel and send text messages to them, the result will only be complaints from mobile phone users.

2. Letters and postcards

In order to keep in touch with his customers, Joe Girard, the car sales champion, sends out 15,000 postcards every month, so that customers always have no choice. Forget him, even if you don't change your car for the time being, you will take the initiative to introduce customers to him. This has become one of the key factors in Joe Girard's success.

Telemarketers can also use this method to keep in touch with customers.

The development of IT technology is now very different from that of Joe Girard's time. Many salespeople use emails instead of postcards and handwritten letters, which will reduce costs and increase efficiency. However, traditional handwritten letters and postcards can give customers a different feeling.

3. Mailing gifts

When the holidays are approaching, if conditions permit, it is best to mail some practical gifts to customers. This is a necessary step in implementing emotional marketing. . For example:

A key account manager of a certain company called a customer many times, but the customer didn’t see him. Later, he gave him a new model of the company’s phone and called him again the next day. When I gave it to the customer, the customer's attitude changed a lot. Someone asked the key account manager: "What is the main reason for this?" The key account manager thought for a while and said: "Maybe he feels that I really care about him and care about him." This is indeed the case, a small gift , not necessarily expensive, but it can make customers feel that you care and accept you immediately.

4. Customer Networking

Nowadays, in order to better serve their customers, many companies have established their own major customer clubs and regularly hold customer networking activities with various themes. , to further enhance customer relationships, this method is particularly suitable for those marketing industries that are relationship-oriented and have obvious business areas. For example, telecommunications industry, financial industry, etc.

Does Shanghai Bank of Communications need to sweep the building to apply for a credit card?

Shanghai Bank of Communications does not need to sweep the building to apply for a credit card.

Bank of Communications (English name Bank of Communications, abbreviated as BCM, Chinese name as abbreviated as Bank of Communications) was founded in 1908. It is one of the six largest banks in China and one of the oldest banks in China. It is also the oldest bank in modern China. One of the banknote-issuing banks. On April 1, 1987, the reorganized Bank of Communications officially opened for business and became China's first national state-owned joint-stock commercial bank, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007.

Bank of Communications is one of China's major financial service providers. The group's business scope covers commercial banking, securities, trust, financial leasing, fund management, insurance, offshore financial services, etc. Bank of Communications has 235 domestic branches, including 30 provincial branches, 7 directly affiliated branches, and 199 provincial branches. It has branches in 239 prefecture-level and above cities and 158 counties or county-level cities*** nationwide. 3,270 business outlets; it has 7 non-bank subsidiaries, including wholly-owned subsidiaries BoCom Leasing, BoCom Insurance, and BoCom Investment, and holding subsidiaries BoCom Fund, BoCom Guosen, BoCom Life, and BoCom International. In addition, Bank of Communications is also the largest shareholder of Changshu Rural Commercial Bank and the joint largest shareholder of the bank. It has strategically invested in Hainan Bank and controls 4 rural banks.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

How to clean up credit card sales?

Personally, I think sweeping the building is more troublesome. The opening remarks can be made directly according to the five steps of marketing: say hello (enthusiastic and generous), introduce yourself (simple and direct), introduce the product (be sure to put the product in the customer's hands), close the deal (question, assume, action, praise), and then close the deal (pursue the victory) , more and more). Just walk in and tell the front desk: Hello, I am a credit card sales representative of Bank of Communications. I came to your company today to ask how many people in your company have not applied for credit cards. Remember to be confident and smile when you enter. Your smile and confidence make the other person feel safe, and they will buy your product (credit card) with confidence. However, I personally think it might be better to set up a stall on the street to give out gifts and sell credit cards. Everyone has the mentality of taking advantage, haha.

This is the end of the introduction to credit card scanning offices and credit card sales departments. Have you found the information you need?