Job seekers who are interviewing at the Card Center must read this

As someone who has accompanied the "Card Center" through one-third of its journey, I am here to tell you about the Card Center system. . If you want to go to the card center for an interview or sign a contract with it, you can take a look. It will increase your understanding of the card center. It will provide some basis for career planning for those who really want to go, and it will also give some advice on the job search process after graduation for those who are inexperienced. , don’t be deceived by the employer.

1. What is a card center? What does it do? What do we do when we go to the card center?

Answer: The card center is Bank of Communications Pacific Credit Card Center, or some The abbreviation of "PCCC" (Pacific Credit Card Centre) is a Sino-foreign joint venture (JV, those who have studied economic law can recall) announced on October 25, 2004 by Bank of Communications and HSBC to specialize in credit card business. The card center was established early. At first, there were only a dozen people, including bosses from foreign and Chinese parties, as well as the so-called "Management Committee" (recalling the content of the Economic Law). In 2005, it issued hundreds of thousands of cards or so. Since 2007, the number of cards has begun to grow rapidly, and now there are about 30 million (including unused cards and so on). In 2011, the Bank of Communications issued an announcement that if the regulatory authorities allow the establishment of an independent credit card company, HSBC will contribute cash and a premium of retained earnings in the Bank of Communications, holding 20% ??of the equity of the credit card company, and the Bank of Communications will hold 80%. At that time, HSBC will generally have The equity ratio of the card center has reached about 36. However, the problem is that all sectors of society have many opinions on the credit card business. Regulators are still cautious about the risks of the credit card business. The possibility of launching big measures in the short term is slim. Secondly, it still needs to establish an independent company. Complying with the Bank of Communications' budgeting system, it is unrealistic to increase salary income through this (the head office will definitely assess the boss's profit, how can the boss increase wages for employees so easily, it would be good if there is no deduction).

What exactly does the card center do? Street card sales, entry and review of application forms, credit review to determine whether a card is issued and the limit, customer billing, call response, card reissue and delivery, customer service, and reminders Accounting, collecting accounts, contacting external financial companies to collect accounts, reporting to the public security bureau for collection and anti-fraud, monitoring loss rates, loss risks, adjusting card issuance strategies and credit limit strategies, risk management, marketing, advertising, writing soft articles, and signing with Ajisen Contract markets and alliance business. This is the general situation of the business of the card center. It must have as many customers as possible, have enough consumption, and have enough people who cannot repay in full on time and "interest-bearing principal" within the risk acceptance range. "Oh, by the way, there must be enough funds to support so many customers' debts, and the cost of funds must be as low as possible. . . Anyway, the financial goal is the ultimate goal, profit

What do card centers recruit people for? There are two categories of people recruited by card centers. One category is card sellers, who ask you to fill out forms in street buildings. Those sales, they have no establishment and get commissions; one type is the middle and back-end personnel, including the above-mentioned credit review, customer service, sales and risk, market, alliance, sales management, finance, human resources, office and other management department personnel, these People like this usually have an establishment and receive a basic salary and year-end bonus. There are several types of people in the latter category. Some sign contracts with the credit card center (the credit card center is now a branch of the transaction bank. Those who originally signed the contract with the head office or branch may now sign the contract with the credit card center), and some sign the contract with the labor service company, such as Zhaopin Recruitment, Lijiali, Foreign Service and other companies sign contracts for dispatch (may also sign contracts with the credit card center now), but they have the same position and the same salary, so don't even think about comparing them with the head office or branches. ;