It should be said that some employees are full-time employees of the bank. For example, when individual account managers or counters have credit card tasks, they may go to areas with concentrated traffic to promote credit cards, but this is accidental and individual. Most banks' credit card business is directly outsourced to third-party teams. Therefore, in reality, more than 80% of those who sell credit card business are not formal employees of banks, but outsourcing teams.
What makes money? There are about three ways for salespeople to make money:
(1) basic salary: this is very low. As far as I know, many of them are 1000 yuan/month or 800 yuan/month, which is the lowest local standard.
(2) Promotion cost: The promotion cost of each credit card given by each bank to the outsourcing team is between 65,438+000-300 yuan (depending on the type of card). The outsourcing team gives it to the sales staff, and each sales staff can get a score of 30-200 yuan, which is why we are always bombarded by phone calls or text messages. After all, every promotion is money for them.
(3) Profit sharing: Not everyone can enjoy this. Some banks will give a certain profit share to the credit card promoted by the outsourcing team, that is, every time a customer swipes this credit card, the outsourcing team can draw a certain profit share fee according to a fixed proportion, but this is not much, and most banks do not have this policy.
Summary Although most people who promote credit cards are not formal employees of banks, the credit cards they promote are also serious credit cards of banks. If there is demand, they can still handle it. Even many salesmen will help you pass the customs and help you pass the customs in order to promote your performance.