Question 1: Is it easy for a credit card salesman to do credit card business? That is, he goes to the company to report his performance every morning, and then finds someone outside all day to apply for credit cards, friends, relatives, classmates, office buildings, crowded companies or factories. There are two problems: first, Shantou's credit card business market is already full; Second, this business didn't last long. Basically, you were recruited because of your interpersonal relationship. When all the acquaintances around are finished, it's basically time to come out.
It sounds good from the name, and it is a representative of a bank's credit card business, but it is actually very bitter, and some people can't understand it. I will sum up a few hardships here, but after these bitter exercises, I can also improve myself quickly.
As far as banks are concerned, credit card salesmen are actually tools for issuing cards, and banks will not give any relevant training teams. What I have seen is that after recruiting a salesman, I briefly introduce the credit card situation and sales methods, and then go directly to work. Basically half a day is enough. It is difficult for salesmen like this to go out to work, which leads to great mobility of salesmen.
It seems that the management is strict, but in fact, for the sake of risk, the morning meeting and party of credit card salesmen are actually publishing and collecting forms. This kind of meeting is very different from the meeting of insurance salesmen. There is no psychological counseling and business counseling.
Income is linked to performance. Without good training and counseling, even talented salespeople will not have good performance in the short term. So what is the bank's attempt? It's simple. Recruited salesmen will have certain contacts or relatives, so that salesmen can kill each other. Those who can start a business, those who have achieved certain results after killing people around them can stay, and more will be eliminated.
If the credit card salesman adopts the mode of working as a stranger, the simplest thing is to sweep the building, so sweeping the building is bound to enter the office building, so climbing the building from the first floor will be caught by the security guard carelessly, which is very terrible and not easy.
This door is the front desk of a company. If you want someone to fill out the form, you must convince the front desk to get in, and the success rate is not high.
Even if you enter, a company will have a few fewer people and hundreds more. Who wants to get a card is another puzzle. If you use gifts as a temptation to cause a stir in the company, your boss will definitely throw you out when he finds out. difficult
The cost of sweeping the building seems very low. In fact, according to everyone's calculation, regardless of time and transportation costs, a single form filling ceremony will cost nearly 10 yuan. Sweeping the building is a superimposed cost. The larger the amount of the form filled in that day, the lower the fee, even if it is the lowest 10 yuan.
If you set up a stall, the rent of the canteen on the second floor will be several hundred yuan a day. Imagine that you can serve several people to fill out the form at noon. If the gift is good, there will be at most 30 people at noon. Suppose the rent is 200, then your cost per meter is 7 yuan rent 10 gift. If you know whether this meter is a card or not, including 20% unapproved cards, then your cost is a card. I just make a rough calculation. It's really hard to be a credit card salesman.
But recently, I found a new way to get customer information. These customers really want to apply for a card, and the success rate of door-to-door card application after telephone interview is very high. Nearly 70% of the information can be used for three cards, and I don't send a gift to fill out the form. At present, the cost of developing a customer can be reduced to 3 yuan money.
Question 2: I want to be a credit card salesman. How can I become a credit card salesman? If you mean credit card sales, many banks are recruiting credit card sales posts. However, this job income mainly depends on commission, generally there is no bank establishment, and it is all labor dispatch.
Question 3: How to be a bank credit card salesman? Whether to ask 1, the bank credit card clerk, to ask the bank to make money after work, but it does not belong to the bank's establishment.
2. There will be a certain task demand every month.
3. The commission is linked to the number of cards after the card is opened, so there is no commission for customers who only open the card but not open it.
Which bank is good depends on your local situation. Relatively speaking, the basic salary is basically the same, but the commission rate is different.
Question 4: Are you there? What does a credit card salesman do? The two most effective ways to apply for a large credit card.
One of the most effective methods: submit proof of property.
For large credit cards, the choice of bank credit cards is irrelevant. What matters is whether your real estate license meets the regulations of this bank.
Generally speaking, real estate license includes: real estate, automobile production, wealth management products, etc. Personal name.
Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).
If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.
However, the bank does not accept the vehicle ownership certificate.
Guangfa Bank, China Merchants Bank, etc. Accept the relevant certificates of automobile production.
The second most effective method: using cards to handle cards.
It is an effective way to handle large credit cards with cards. Take Minsheng Bank as an example, there is no need to provide any additional proof of assets: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000. The processing conditions are: the original card limit is more than 40,000, and the standard platinum card, luxury platinum card is more than 80,000, and the diamond card 15000 is more than that.
To apply for a large credit card, according to the standards of the bank scoring system, share some conditions, have a good credit record, have a superior career, have a stable income and a high deposit.
If the recommendation card can't be made, you can only spend money to find someone.
Get a card and withdraw cash. You can call me.
Question 5: How to become an excellent credit card salesman? Walking around the streets and shopping malls to promote sales.
Question 6: How does the credit card salesman run? Do you have any relatives or friends? . . Apply for a real one first. That is, everything is true. It is not difficult to ask relatives and friends for help.
The remaining four used false information, and the credit card application went through a process, not so fast. .
It's best to ask seniors to show you the process. It's hard to start at first, but you'll get used to it after a long time.
Learn to be flexible. If he doesn't ask you for five dollars, just five dollars. . .
Question 7: How to interview the credit card clerk of the bank Question 1: Please introduce yourself.
1. This is a required question for the interview.
2. The introduction content should be consistent with the resume.
3. Try to be colloquial in expression.
4. Go straight to the subject and don't say irrelevant and useless content.
5. The organization should be clear and the level should be clear.
6. It is best to recite it in the form of words in advance.
Question 2: Talk about your family.
1 plays a certain role in understanding the personality, concept and mentality of the applicant, which is also the main reason why the employer asks this question.
2. Briefly list the family population.
3. Warm and harmonious family atmosphere should be emphasized.
It should be emphasized that parents attach importance to their education.
It is appropriate to emphasize the good condition of each family member.
It is appropriate to emphasize the support of family members for their work.
7. You should emphasize your sense of responsibility for your family.
Question 3: Do you have any hobbies?
1. hobbies can reflect the personality, thoughts and mentality of candidates to a certain extent, which is also the main reason why employers ask this question.
It's best not to say that you have no hobbies.
Don't say that you have those vulgar and unpleasant hobbies.
4. It is best not to say that it is limited to reading, listening to music and surfing the Internet, otherwise the interviewer may suspect that the candidate is withdrawn.
It is best to have some outdoor hobbies to embellish your image.
Question 4: Who do you admire most?
1. The most admired person can reflect the personality, concept and mentality of the candidate to a certain extent, which is also the main reason why the interviewer asks this question.
2. It is inappropriate to say that you don't worship anyone.
It is inappropriate to worship yourself.
It is inappropriate to worship an imaginary or unknown person.
It is inappropriate to worship a person who obviously has a negative image.
6. Everyone you admire is best related to the job you are applying for.
7. It's best to say what qualities and thoughts of people you admire have infected and inspired yourself.
Question 5: What is your motto?
1. Motto can reflect the personality, concept and mentality of the candidate to a certain extent, which is also the main reason why the interviewer asks this question.
2, it is not appropriate to say those aphorisms that doctors cause bad associations. It's inappropriate to say those too abstract aphorisms.
4. maxims should not be said too long.
5. Motto should best reflect some of your excellent qualities.
6. Refer to the answer-just find a way to succeed, not an excuse for failure.
Question 6: Talk about your shortcomings.
1, it is not appropriate to say that you have no shortcomings.
It is not appropriate to describe those obvious advantages as shortcomings.
3. It is not appropriate to say that there are shortcomings that seriously affect the job application.
It is not appropriate to say that people are uneasy and uncomfortable.
You can name some shortcomings that have nothing to do with the job you are applying for, even some shortcomings that look like shortcomings from the work point of view but are advantages.
Question 7: Tell me about a failure experience of yours.
1, it is not appropriate to say that you have no experience of failure.
It is inappropriate to describe these obvious successes as failures.
It is inappropriate to tell the failure experience that seriously affects your job application.
4. The result of experience should be failure.
It should be noted that I was confident and tried my best before I failed.
6. Explain that failure is only caused by external objective reasons.
7. After my failure, I quickly pulled myself together and faced my future work with more enthusiasm.
Question 8: Why did you choose our company?
1, the interviewer tries to understand your motivation, desire and attitude towards this job.
2. It is suggested to answer from three angles: industry, enterprise and post.
I am very optimistic about your company's industry. I think your company attaches great importance to talents and this job suits me very well. ......
Question 8: Is it easy for a credit card salesman? I'll tell you how hard this business is. I have been in this business for more than three years before, from a newcomer to a resource account manager. From the beginning, the monthly salary was only about 3,000 to 4,000, and now the monthly salary is 1 10,000 and above, and the pre-tax salary is10.6 million years. I am a stranger in a city, and I just entered a new company, and all new companies will have training, so I can say that I did it without any connections. Some people say that you need a certain number of contacts to enter the industry, and then you can leave when you are done. I don't know what bank he is, but that's how I got up step by step. In this business, you must pay attention to a few points first, or you will leave soon.
1 is hardworking. Doing this business is very tiring. Go out to run business every day.
2 self-confidence. For myself and this industry, the industry is almost saturated now, and there are many peers, so we must stand the temptation.
3. Strong psychological endurance. Gossip outside, the management of your client company, has many opportunities to deal with security guards in this line, and sometimes conflicts with security guards.
In addition, I believe your business supervisor will tell you any professional skills. If you can overcome the above most important points, do it. If you can't do anything, don't choose this business. I left my job because of the promotion of the company. The longer I walked, the more tired I became, and I missed my hometown a little.
Finally, come on, it's hard to do anything, but you do everything well. Which one are you? It depends on how you position yourself.
Question 9: How can the credit card agent contact the bank? What are the requirements? There are no requirements. Many people are unwilling to do it. They are short of people. If you want to do it, search online. For example, if you want to be a Guangfa Bank in Shanghai, search for "credit card salesman of Shanghai Guangfa Bank". Contact them and you will be hired. .
This industry is similar to selling insurance. It has a basic salary, but it can't be paid in full unless the task is completed, so the basic salary is only nominal. Is to get a commission, a card 30-50 yuan.
It's hard to do. People are as mobile as insurance companies.
Question 10: How to be an excellent credit card salesman? I was a credit card salesman. You need to do three things well: have a clear customer base, that is, where you think you are suitable, and then work hard on your own. A good credit card salesman can earn tens of thousands of dollars a month. The key is whether you work hard or not.
How to operate credit card business?
I'll tell you how hard this business is. I have been in this business for more than three years before, from a newcomer to a resource account manager. From the beginning, the monthly salary was only about 3,000 to 4,000, and now the monthly salary is 1 10,000 and above, and the pre-tax salary is10.6 million years. I am a stranger in a city, and I just entered a new company, and all new companies will have training, so I can say that I did it without any connections. Some people say that you need a certain number of contacts to enter the industry, and then you can leave when you are done. I don't know what bank he is, but that's how I got up step by step. In this business, you must pay attention to a few points first, or you will leave soon.
1 is hardworking. Doing this business is very tiring. Go out to run business every day.
2 self-confidence. For myself and this industry, the industry is almost saturated now, and there are many peers, so we must stand the temptation.
3. Strong psychological endurance. Gossip outside, the management of your client company, has many opportunities to deal with security guards in this line, and sometimes conflicts with security guards.
In addition, I believe your business supervisor will tell you any professional skills. If you can overcome the above most important points, do it. If you can't do anything, don't choose this business. I left my job because of the promotion of the company. The longer I walked, the more tired I became, and I missed my hometown a little.
Finally, come on, it's hard to do anything, but you do everything well. Which one are you? It depends on how you position yourself.
What should I do as a credit card salesman?
1, the most elementary thing is to start with friends around you.
2. Starting from the conditions of people who can handle Bank of Communications credit cards, of course, the simplest method is also the most successful and effective, such as: wage payers, college students who graduated after 20 13, and users who already have other bank credit cards.
3, sweep the building, that is to say, go to some buildings. Of course, there must be a certain purpose, such as: interbank banks, insurance companies, large offices and so on.
4, gift temptation, send some small gifts to customers.
5. Choose some special merchants, such as Wal-Mart, cinemas and supermarkets. They use the Bank of Communications credit card to provide supporting services.
How to find a salesman if you want to apply for a credit card?
You can choose your favorite bank first, then call the bank's credit card service hotline to ask if you can provide on-site credit card service, and wait for the salesman to come to your door after making an appointment.
It is recommended not to contact unidentified credit card salesmen online. In fact, in addition to the door-to-door handling of credit card salesmen, credit cards can also be handled without going out through official website, mobile banking, WeChat banking and other channels.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.
At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
So much for the introduction of how to do credit card business.