This is not easy to do. There are basically no doorways. Actually, it's a salesman, but not entirely a salesman. Compared with the account manager, everything is higher. As the name implies, the credit card installment specialist only focuses on credit card installment business, generally decoration installment, bill installment, commodity consumption installment and so on.
In addition to sales, it is more important to complete all kinds of work docking, because credit card installment business has a series of processes from sales to submission of materials, and these, the staff of outlets generally do not have much energy and time to do, so it depends on the Commissioner.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with 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 specialized 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 limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English name of the credit card standard was stipulated as CreditCard_.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
How about the credit card installment position of Minsheng Bank?
All right. Working in a bank is a good job with good pay and stable job, but the most important thing is that you like and love it, so that you can do a good job and be happy. The bank's credit card installment work is also better, with good treatment and stable work. This job is to make a phone call every day and invite users to handle management business, which is not difficult. You don't have to find a client yourself, just make a phone call. The main job of the bank installment specialist is to handle credit card installment business for bank customers through telephone channels.
Have you ever worked as a billing installment specialist in China Merchants Bank Credit Card Center? Talk about your feelings. How is this job?
It's not bad to be a billing specialist in China Merchants Bank Credit Card Center. If the performance is good in a month, it will be more than 10 thousand, and the performance will be six or seven thousand.
First, it's similar to telephone customer service. Telephone customer service is to promote products. This is to call you and ask him if the consumption amount needs to be phased. They all give you some lists to contact customers, which should also be based on sales. The more you handle, the more you earn. In fact, this job is ok, better than sales. Most people will hear that, unlike salespeople who call you, some people just hang up.
Second, the general job responsibility of credit card installment is to invite customers to apply for credit card installment, and the salary system is mainly based on basic salary commission. Different banks have different recruitment conditions and salary systems for the same job. I suggest that you know the application requirements and salary system of the corresponding position through the online or market bank recruitment information. If in doubt, please contact the person in charge of the personnel department of the corresponding bank for consultation.
I. Matters related to bill installment:
1. Generally, you can accept the bill installment application by calling the customer service center of the issuing bank or telephone banking. ICBC cardholders can handle installment payment at ICBC outlets, ICBC online banking, telephone banking and mobile banking, and China Merchants Bank can handle it at the bank's online banking. Although the bank has introduced the installment payment of bills, it does not mean that every cardholder can pay by credit card;
2. General banks should evaluate the credit status of cardholders according to their credit limit and credit records of credit card consumption. Only after the assessment is passed can the cardholder make installment payment smoothly;
3. If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or not give the cardholder the amount of installment payment he wants; Cardholders can fully consider their own financial situation and apply for installment by telephone.
Second, the treatment of China Merchants Bank
1. Compared with other domestic banks, the salary of China Merchants Bank is very good. In addition to the basic salary, there is a monthly bonus of 1 0,000-10,500, and there are also festival fees for five festivals every year, namely, Spring Festival, National Day, May Day, November Day and New Year's Day. There are double salaries in June and 65438+February, as well as quarterly bonuses and year-end awards. Together, China Merchants Bank basically has an annual salary of 50,000 to 70,000 in the first year. Account managers can get an annual salary of10.5 million yuan, and there are many enviable places in terms of welfare. For example, in Chengdu Branch, the lunch voucher for employees of China Merchants Bank is the highest standard 1 yuan, and there is a car to pick them up from work.
2. Career development
New employees will have three months of training time. After half a month's training, management trainees will be assigned to various outlets for rotation training and promotion. Because China Merchants Bank is also a very young company, and its scale is constantly expanding, there are still many opportunities for promotion. Compared with the four major state-owned banks, China Merchants Bank pays more attention to personal performance and performance. In the Big Four, you can only be promoted if you have lived for years, but China Merchants Bank can be promoted at any time as long as it proves its ability.
So much for the introduction of credit card installment work.