How long does it usually take to join Industrial Bank Credit Card Shanghai Branch?

It usually only takes 5 days to join Industrial Bank Credit Card Shanghai Branch. Before joining, you will have to pass a physical examination, political review, credit review, etc. The time will end within 5 days, and then you will officially join the company on the 6th day for pre-employment training.

Bank of Communications Credit Card Entry Process

1. The credit card center entry process is as follows: call for an interview. The interview here refers to the preliminary examination. Generally, you will bring the original undergraduate diploma and bachelor's degree certificate. , after passing, the retest usually takes 2-3 days. If the retest goes well within 5 days, you will receive a notification and come to study. 2. After studying for 2 days, there are usually 2 days of practical assessment (same time, different places, with minimum task assessment), and two sets of test questions must be completed in the evening. If both of these are up to standard, it means that there is no chance of joining the job. After that, just prepare the physical examination report, photos, household register, salary card and other company notifications to sign the labor contract. 3. During the bank recruitment interview, you need to bring some interview materials, including ID card, admission ticket, and resume. If some banks require qualification review before the interview, candidates need to bring the various certificates mentioned in the online application, including CET-4 and CET-6, computer level II, etc. to the interview site

Credit Card Center What is recruitment going on

Hello! What you are talking about is recruiting salespersons. What the credit card center recruits is the amount of card consumption. The more cards you open, the higher the salary. They are not regular employees, they are equivalent to salespeople. Some have a guaranteed salary, and some do not. , generally those with group customer relationships can apply, but it is not a long-term stable job.

Extended information

Why do banks encourage people to apply for credit cards?

The income that credit cards bring to banks can be divided into two aspects:

One is explicit income, and the other is implicit income. Just like when you teach a class at New Oriental, the explicit benefit is that Yu Minhong will pay you a salary of 500 yuan, which is superficial; the implicit benefit is that you have improved your eloquence, made more friends, and improved your skills. English proficiency, this is behind it. The same is true for credit cards for banks.

Explicit income - reflected in the direct profits obtained by banks through credit cards, mainly including: interest income, annual fee income, merchant commission income, cash withdrawal fees and punitive fees, and some value-added service income.

Interest income: Simply put, it is the interest paid for overdrafting the credit limit, which is the main part of credit card income. You must know that there are two options when repaying a credit card, one is full repayment, and the other is minimum repayment. If you choose the minimum repayment, the bank will charge high interest on the remaining unpaid portion.

Annual fee income: The literal meaning is easy to understand, that is, if you use my card, I will charge you a certain fee every year. Annual fee income was a high proportion of fixed income source before 2005, once reaching about 55% of credit card income. However, as competition intensified after 2005, various banks began to launch services that waived the annual fee in the first year or waived the annual fee if the card was swiped a few times each year. This caused the annual fee income to show a downward trend year by year.

Card swiping rebate income: When customers use their credit cards to buy things, merchants have to give a certain percentage of the transaction amount to the bank, which is also the main part of credit card revenue. This part of the rebate is usually shared between the card issuing bank, UnionPay and the acquiring bank. It has been at a level of about 7:1:2 for a long time. Nowadays, due to the fierce competition among banks, the bargaining power of merchants has been significantly improved, resulting in a significant decline in commission rates.

Cash withdrawal income and punitive income: the former refers to the handling fee paid for withdrawing cash at the counter or ATM machine, which stems from the bank's purpose of promoting card consumption and preventing risks; the latter refers to the payment for excessive credit card overdrafts The penalty is for the bank to compensate for the risk losses caused to the bank due to the cardholder's default. These two parts account for a relatively small proportion of credit card revenue.

Income from other value-added services: For example, fees paid by cardholders for purchasing goods and paying in installments. This is actually similar to turning interest income into an intermediary business. The essence remains unchanged, but it is conducive to expanding consumption and controlling risks.

Implicit benefits-mainly refers to the additional benefits that credit card business brings to banks, including locking accounts and funds, and collaboratively promoting other public and private businesses.

Lock accounts and funds: This is the most important hidden benefit. For example, a merchant uses a bank credit card to purchase goods, and installs a bank POS machine to allow customers to swipe cards to collect payments. At the same time, it also opens value-added services such as ordinary merchant installment (customers can directly swipe their card to pay in installments when buying things), point consumption and other value-added services. Then the business process of the merchant It will also be a process for banks to expand their accounts and collect funds.

Is there a high success rate in applying for a job at a bank to issue credit cards to customers?

The passing rate is not high, and it still depends on the customer’s overall credit report and assets in their name and other related information. If the customer's overall credit report is good, the pass rate is high, otherwise it is low.

Extended information:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company 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.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

Main Features

Pre-deposit of cash is not encouraged. Spend first and repay later. Enjoy an interest-free repayment period. You can repay in installments (with a minimum repayment amount). Join VISA, International credit card organizations such as MasterCard and JCB are used globally.

It is one of the fastest growing financial services today and is an electronic currency that can replace traditional cash circulation to a certain extent.

Has both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using their credit cards.

It is a high-tech product integrating financial business and computer technology.

Can reduce the use of cash currency.

It can provide settlement services to facilitate shopping and consumption and enhance a sense of security.

It can simplify the collection procedures and save social labor.

Can promote product sales and meet social needs.

How to go to a bank to interview a credit card salesperson

Question 1: "Please introduce yourself"

1. This is a required interview question.

2. The introduction content should be consistent with your resume.

3. Try to be as colloquial as possible in the way of expression.

4. Keep to the point and don’t talk about irrelevant or useless content.

5. The organization should be clear and the levels should be clear.

6. It is best to memorize it in writing in advance.

Question 2: "Talk about your family situation"

1. It has a certain effect on understanding the applicant's personality, concepts, mentality, etc. This is the question asked by the recruiting unit main reason.

2. Simply list the family population.

3. A warm and harmonious family atmosphere should be emphasized.

4. It is appropriate to emphasize the importance parents attach to their own education.

5. It is appropriate to emphasize the good condition of each family member.

6. It is appropriate to emphasize the support of family members for one’s work.

7. You should emphasize your sense of responsibility to your family.

Question 3: "What are your hobbies?"

1. Hobbies can reflect the applicant's personality, concepts, and mentality to a certain extent. This is what the recruiting unit should ask. The main cause of the problem.

2. It is best not to say that you have no hobbies.

3. Don’t say that you have those vulgar and unpleasant hobbies.

4. It is best not to say that you are limited to reading, listening to music, and surfing the Internet. Otherwise, the interviewer may suspect that the applicant is withdrawn.

5. It is best to have some outdoor hobbies to "embellish" your image.

Question 4: "Who do you admire most?"

1. The person you admire most can reflect the applicant's personality, concepts, and mentality to a certain extent. This is what the interviewer asks. The main cause of the problem.

2. It is not appropriate to say that you don’t admire anyone.

3. It is not appropriate to say that you worship yourself.

4. It is not appropriate to say that you worship an illusory or unknown person.

5. It is not appropriate to say that you admire a person who has an obviously negative image.

6. Everyone you admire should be able to "connect" with the job you are applying for.

7. It is best to tell which qualities and ideas of the people you admire infect and inspire you.

Question 5: "What is your motto?"

1. The motto can reflect the applicant's personality, concepts, and mentality to a certain extent. This is the question the interviewer asks. main reason.

2. It is not appropriate to say those mottos that cause bad associations. 3. It is not appropriate to say mottos that are too abstract.

4. It is not advisable to say a motto that is too long.

5. The motto should best reflect some of your excellent qualities.

6. Reference answer - "Only find methods for success, not excuses for failure"

Question 6: "Talk about your shortcomings"

1. It is not appropriate to say that you have no shortcomings.

2. It is not appropriate to describe those obvious advantages as disadvantages.

3. It is not appropriate to mention shortcomings that seriously affect the job you are applying for.

4. It is not appropriate to mention shortcomings that make people feel uneasy and uncomfortable.

5. You can name some shortcomings that are "insignificant" to the job you are applying for, or even some shortcomings that appear to be shortcomings but are advantages from a work perspective.

Question 7: "Talk about a failure experience of yours"

1. It is not appropriate to say that you have no failure experience.

2. It is not appropriate to describe those obvious successes as failures.

3. It is not appropriate to talk about failure experiences that seriously affect the job you are applying for.

4. The result of the experience you talk about should be failure.

5. It is advisable to explain that before failure, you were more confident and tried your best.

6. Explain that the failure was only due to external objective reasons.

7. Pick yourself up quickly after failure and face future work with more enthusiasm.

Question 8: "Why did you choose our company?"

1. The interviewer is trying to understand your motivation, desire and attitude towards the job.

2. It is recommended to answer from the three perspectives of industry, enterprise and position.

3. Reference answer - "I am very optimistic about the industry your company is in. I think your company attaches great importance to talents, and this job is suitable for me. I believe I can do it well.

Question 9: "What foreseeable difficulties do you have with this job?"

1. It is not advisable to directly state the specific difficulties, otherwise the other party may suspect that the applicant is not qualified.

2. You can try roundabout tactics to express the applicant’s attitude towards difficulties. It is normal and inevitable to encounter some difficulties at work, but as long as you have perseverance, a good spirit of cooperation and With careful and adequate preparation in advance, any difficulty can be overcome.

Question 10: "If I hire you, how will you carry out your work?"

1. If the applicant is interested in the job. If you lack sufficient understanding of the position you are applying for, it is best not to directly tell you the specific method of carrying out the work.

2. You can try to use roundabout tactics to answer, such as "First listen to the leader's instructions and requirements, and then Understand and become familiar with the relevant situation, then formulate a recent work plan and submit it to the leader for approval, and finally carry out work according to the plan.

Question 11: "What will you do if you disagree with your superior?"

1. Generally, you can answer like this: "I will give the superior the necessary explanation and reminder. In this case, I will obey the superior's opinion. "2. If the person interviewing you is the general manager, and there is another manager for the position you are applying for, and the manager is not present at the time, you can answer like this: "For non- On matters of principle, I will obey the opinions of my superiors. For major issues involving the company's interests, I hope to report them to higher-level leaders. "

Question 12: "Why should we hire you?"

1. It is best for applicants to answer from the perspective of the recruiting unit.

2. Recruiting units will generally hire candidates who basically meet the requirements, are interested in the job, and have sufficient confidence.

3. For example, "I meet your company's recruitment requirements. With my current skills, high sense of responsibility, good adaptability and learning ability, I am fully qualified for this job. I very much hope that I can Serving your company, if your company gives me this opportunity, I will definitely become the pillar of your company!"

Question 13: "What can you do for us?"

1. In basic principle, "do what you like".

2. Before answering this question, it is best for the applicant to "pre-emptively" understand the role that the recruiting unit expects this position to play.

3. Applicants can answer this question based on their own understanding and their own advantages in the professional field.

Question 14: "You are a fresh graduate and lack experience. How can you be qualified for this job?"

1. If the recruiting unit asks this question to fresh graduate applicants This question shows that the recruiting unit does not really care about "experience". The key is how the applicant answers.

2. The answer to this question should best reflect the applicant’s sincerity, wit, courage and dedication.

3. "As a fresh graduate, I do lack work experience, so I have been taking advantage of various opportunities to work in this industry during my studies. I also found that actual work is far more difficult than The book knowledge is rich and complex. But I have a strong sense of responsibility, adaptability and learning ability, and I am relatively diligent, so I can successfully complete various tasks in the company, and the experience gained from it has also benefited me a lot. Don't worry, the work experience I learned in school makes me qualified for this position."

Question 15: "What kind of superior do you want to work with?"

1. The applicant's awareness of self-requirements can be judged through the applicant's "hope" for the superior. This is both a trap and an opportunity.

2. It is best to avoid specific expectations for your superiors and talk more about your own requirements.

3. For example, "As a newcomer who has just entered society, I should ask myself to familiarize myself with the environment and adapt to the environment as soon as possible. I should not put forward any requirements for the environment, as long as I can use my expertise." "

Question 16: "What was the reason for your resignation from the previous company?"

1. The most important thing is: the applicant must convince the recruiting unit that the applicant The "reason for leaving" in the previous unit does not exist in this recruitment unit. 2. Avoid stating the "reason for resignation" in too much detail.

3. Do not mix subjective negative feelings, such as "too hard", "interpersonal relationships are complicated", "management is too chaotic", "the company does not value talents", "the company excludes our so-and-so employees" "wait.

4. But you cannot dodge or avoid, such as "wanting to change the environment", "personal reasons", etc.

5. Do not involve your own negative personality traits, such as dishonesty, laziness, lack of responsibility, uneasy-going, etc.

6. Try to make the reasons explained add color to the applicant's personal image.

7. For example, "I resigned because this company collapsed. I have worked in the company for more than three years and have deep feelings. Since last year, due to the sudden change of the market situation, the company's situation has taken a turn for the worse. To I feel sorry for this step, but I still have to face the display and find a stage where I can use my abilities. "There is not only one answer to the same interview question, and the same answer is not valid in any interview situation. The key is to apply for the job." After the interviewer has mastered the rules, he should grasp the specific situation of the interview, consciously figure out the psychological background of the interviewer's questions, and then adapt to his preferences.

Introduction to bank credit card application and bank credit card application requirements. That’s it. Did you find the information you need?