Credit card marketing

Credit card marketing is all about the heart

This is an "attack on the heart". Customers create advertisements for their favorite credit cards, and their affinity has won people's favor. This is an "experience card". In the era of information explosion, the target customers enjoy the process, and its participation has won the public's praise.

"The heart is attached to the people, and one card gives birth to feelings" is a slogan created by an advertising designer from Guangzhou for the credit card of Minsheng Bank. In his submission, he wrote: "Between the people and people's livelihood, our trust begins with the card!"

This is just a vivid case among the tens of thousands of submissions of Minsheng Bank's credit card advertising campaign.

On the morning of June 7th, 25, Sina. com and major media simultaneously released the news that China Minsheng Bank paid a lot of money to collect credit card advertisements. As a result, Minsheng Bank Credit Card Center launched a pre-heating marketing campaign.

open solicitation of advertising language to create new marketing

On June 16th, the credit card of Minsheng Bank, which has been brewing for two years, was officially unveiled. Compared with other domestic credit card products, it has made breakthroughs in international standards, product functions, preferential conditions and value-added services. Among them, high aviation accident insurance, national 24-hour car rescue, personal lawyers of Golden Card and many other intimate services have made it a bright spot in the recent financial market.

So far, except Huaxia Bank, all major domestic commercial banks have issued credit cards. Relevant data show that up to now, China's credit card circulation has exceeded 1 million, with an annual growth rate of over 1%.

in addition to making great efforts in the product itself, banks have made every effort in credit card marketing. Therefore, the current credit card marketing activities can be described as very lively. Minsheng Bank credit card was launched late in the market, but how to achieve "first come, first served"?

moving the marketing activity forward is one of the innovations of this activity. Compared with the marketing methods commonly used in many domestic banks, such as courtesy and annual fee exemption, Minsheng Bank launched the "Reward for Credit Card Advertising" to advance the marketing activities before card issuance. It is estimated that more than 3, people will participate in this activity, and I believe most of them will become loyal users of Minsheng Credit Card.

service marketing, which is oriented towards the heart, is another "bright spot" of this activity. This is a "psychological war". Customers create advertisements for their favorite credit cards, and their affinity has won people's favor. This is an "experience card". In the era of information explosion, the target customers enjoy the process, and its participation has won the public's praise.

Mr. Yang Ke, general manager of China Minsheng Bank Credit Card Center, said that for credit card issuers, no matter what marketing means they adopt, they are actually fighting for customer resources, hoping to gain customers' approval and provide customers with more diversified services on this basis.

enhancing customer relationship and enhancing people's livelihood brand

The public responded unexpectedly. During the 9 days, more than 2, people participated in this activity in various ways every day. * * * More than 27, people submitted advertisements online, more than 3, people submitted advertisements through the mail system, and there were nearly 1, letters and faxes.

The creators can be said to come from all corners of the country. They come from more than 2 provinces, municipalities and autonomous regions in China, from big cities such as Beijing, Shanghai, Guangzhou and Shenzhen to remote small towns such as Mengla County in Yunnan Province, Dingxi in Gansu Province and Qishi in Heilongjiang Province. They have people engaged in finance, advertising and IT industries, as well as national civil servants, soldiers, students, teachers and company managers.

Many people not only created advertising slogans, but also wrote their feelings about this activity. Zhao Hongxing, a company employee from Guangzhou, wrote in poetic language: "Over the years, there is a little bit of people's livelihood. Every credit card embodies the wisdom and hard work of people's livelihood, and is also full of gratitude and care for users. This event is very humanized. "

In-depth participation, allowing consumers to participate in the brand creation of credit cards, is the way for Minsheng Credit Card to enter this fiercely competitive market. Yang Ke believes: "This activity has aroused such enthusiastic response from the market and customers, which first benefits from Minsheng Bank's long-term adherence to the customer-centered and people-oriented business philosophy. While striving for the number of customer resources, this marketing method of attracting customers to participate and interact with customers will greatly win the recognition and trust of customers, thus improving the quality of customer resources of Minsheng Credit Card. "

As a modern financial tool, credit card is gradually being accepted by more and more people because of its convenience, fashion and safety. With the development of China's market economy, the improvement of people's living standards and the continuous improvement of the credit card environment, the credit card market contains a broad space for development. However, with various commercial banks issuing their own brand credit cards, how to make our CITIC credit cards stand out in the fierce competition market has become an urgent concern of our credit card marketers. The following are my questions.

As a credit card marketer, you must have confidence, patience and perseverance, master a series of marketing skills, establish a sense of "service marketing", and go to the market in a planned and step-by-step manner.

first, grasp the products, be familiar with the functions of credit cards, and analyze from the customer's point of view. What can he bring by running our CITIC credit card? According to our current promotion policy of CITIC Credit Card, we can provide customers with convenience for shopping and consumption in their daily life, and at the same time, we can enjoy the efficient and high-quality service of CITIC Industrial Bank, plus two free insurances given by our credit card. I think most customers will not refuse as long as we patiently guide them. Only by fully understanding and grasping the professional knowledge of credit cards can we have the confidence to go to the market.

2. Positioning of target customers: Due to some illegal operations of the outsourcing agent of CITIC Credit Card in the early stage, the current Fuzhou market (especially Class A customers) has some negative effects on our CITIC Card. Therefore, at present, I mainly take group development for Class B customers (large local state-owned enterprises) and actively promote them to Class A customers.

third, face-to-face marketing with customers: at this time, we need certain marketing skills, which are constantly summarized and perfected by us at work. First of all, when visiting customers, you need an attractive and tempting prologue, a reason for customers to be willing to communicate with you. Of course, for different types of customers, there must be different prologues on different occasions. When customers are willing to communicate with you, it is best to find a breakthrough among the people in the company (who are popular and have certain power) (such people are usually potential customers who run our CITIC Credit Card Gold Card, and tell him about our current CITIC Credit Card policy. As long as the company purchases more than 3 pieces for the first time, it can apply for a gold card and a platinum card for the first year.) I hope I can use his influence to help us market and achieve twice the result with half the effort. Of course, I can't expect him to help you promote credit cards. When the breakthrough is opened, I must be good at analyzing the customer's psychology, making good use of the overall effect and following the trend. Most customers have a kind of psychology. When a customer applies for a credit card first, his psychology is still the same. Will it just be my impulse? "At this time, he usually encourages other colleagues to apply for a card, because he feels that only the more people apply for a card can prove that his choice is correct. When this card-handling atmosphere is provoked, he must seize the opportunity, make a quick decision, shorten the customer consideration period, and strive for the company to apply for a card in a large area. When the promotion work of the company is over, he will ask them for a referral by the way, so that our customer resources will not be exhausted.

fourth, in the marketing process, we often encounter some customers' different rejections. At this time, we need to make the most agile response to customers' rejections, and constantly sum up in our daily work, so as to be sure, calmly deal with them and make effective refusal handling. Here are some common customer refusals and ways to deal with them:

(1) "I have several bank credit cards on me, and I don't want to apply for another credit card." This type of customer usually has a high income and a stable job, which is the goal that all banks strive for, and at the same time, they know more about the practicality of credit cards.

Response: We should highlight the comparative advantages of our CITIC Card and other banks' credit cards. For example, our interest-free period is the longest, our points are the most favorable, and our birthday month is double points. We can shop in interest-free installments in Gome, and we successfully get two insurances when we apply for the card. At the same time, our application is simple, efficient and the service is good. "Without adding any burden to you, wouldn't it be nice for us to help you get a Zhang Zhongxin credit card for free, so that you can choose one more card?"

(2) Customers like "I usually only use cash, so I don't need to apply for a card" should focus on the safety and convenience of credit cards, and encourage customers to develop the habit of spending by credit card.

response: "wouldn't it be nice to have our CITIC Credit Card, which will not only bring you a convenient and fast lifestyle, but also enjoy bonus points, free insurance and excellent service from CITIC Bank?"

(3) "Your CITIC outlets are too few, which makes repayment inconvenient"

Response: "It is true that we have fewer CITIC outlets at present, but we are constantly expanding our outlets, and there are twelve ways for repayment at present. For example, you can set up another Licaibao card to make bundled automatic repayment. When you swipe your card with a credit card, our wealth management treasure will automatically repay it on the last day of your credit card arrival date, and you can overdraw it first. At the same time, we will send you a statement every month, so that you can clearly understand your consumption and grasp your financial income and expenditure in a timely manner. "

to sum up, I personally feel that no matter what kind of customer, no matter how many credit cards he has, as long as he hasn't applied for our CITIC credit card, they are all our target customers. As long as we highlight the advantages of our CITIC credit card, grasp the latest trends of credit cards in commercial banks and guide them correctly, they may become the service targets of our CITIC credit card.

5. Improve after-sales maintenance, build the corporate image and good personal image of CITIC Industrial Bank, and learn the lesson that the credit card outsourcing agent did not do after-sales in the early stage, which led to the damage of corporate image. As a CITIC credit card marketer, we have the responsibility to maintain the healthy development of the market, highlight our "service marketing", encourage customers to open cards for consumption, and let customers truly experience the process of credit card from refusal-recognition-feeling-enjoyment. At the same time, we will take this opportunity to drive other financial products business of CITIC brand and promote the secondary development of credit card business of this unit.

The above is a summary of my experience in the past two months. At the same time, I also found some shortcomings in the marketing process, such as the lack of financial expertise. I think I will learn more about other financial products of our bank while promoting credit cards in the next step, so as to better realize cross-marketing.

How to sell credit cards to customers

1. Selling credit cards means selling yourself. A good beginning is half the battle. Remember:

1. Successful people are always looking for ways. Those who fail are always looking for excuses

2. There is nothing in the world that can't be done, only those who can't

3. Sales starts with rejection. Prepare solutions in advance! .

2. Credit card sales process

1. Opening remarks

2. Exploring the demand

3. Explaining the benefits

4. Resolving the objections

5. Closing the deal

6. Referral to customers who need it

3. Seven points of successful credit card marketing:

1.

1

Proactive, serious working attitude

2

Good learning attitude

3

Learn marketing methods, deeply understand its meaning

4

Understand the implementation of average method

5

Actively cooperate with supervisors and manage work

6

Obey.

seek the slogan of short-term incentive activities of the credit card marketing team. Similarly, don't eat or sleep, cheer up and make money. A little blood, a little wolf.

competing for the best, the first is forever

2. Gold is accumulated in September, and I am happy when I make an order. Oh, yeah

3. The company can do anything with me. (Team name), always strive for the first place!

4. Open up the market, I am the strongest; (Team name), I'm crazy about singles!

5. Who is the top team? Who is the match with the vertical arrow (team name) and sprint hard!

6. roar, and the performance will shake three times! (Team name), come on!

7. If two cows go hand in hand, they will be the best, (team name)! Come on!

8. (team name), never give up, create brilliance again, and swear to win the first place

9. (team name), be happy, strive for Excellence in September, and bravely strive for the upper reaches

1. (department name), unite and win the first place

11. surpass yourself and dream! Self-improvement and entrepreneurship, gathering talents; Marketing all over the world, I am the only one

12. Failure and frustration are only temporary, and success will not be too far away!

13. Success is by no means easy, we should redouble our efforts!

14. Manage customers, increase return visits, be professional, and put customers first!

15. Give today, reap tomorrow, go all out and have a brilliant career!

16. Don't eat or sleep, cheer up and make money!

17. Because we are destined to get together, success depends on everyone's efforts!

18. Believe in yourself and your partner!

19. Have a clear goal, be firm, reward hard work in heaven, and continue to operate!

2. success is due to self-confidence!

21. Make a little progress every day.

22. sell one hundred dollars more every day!

23. Go all out and challenge for success!

24. Seeing one more customer gives you one more opportunity!

25. Making money depends on everyone, making you happy.

26. (company name) is the strongest in ten years, (department name) Shanghai is the king 7, the Year of the Tiger is new, and (company name) is the strongest in ten years. Laugh and ask who can compare with me (department name).

Credit card marketing plan

1. The essence of credit card

The essence of credit card is borrowing and spending, which is the main selling point of credit card. Major banks have launched various themes in a targeted manner, and all kinds of added value and services can only be icing on the cake, not a timely help.

personally, the selling points of credit cards can be mainly divided into two categories:

(1) Transfer of funds

Many people in life may buy large items in cash, which may lead to a shortage of funds and bring unnecessary troubles, and credit cards can solve this problem.

(2) Overdraft consumption

In some consumption places, when individual prices are relatively expensive and there is not enough cash on hand for the time being, overdraft consumption can meet the shopping needs of buyers.

2. Target customers of credit cards

According to some relevant information searched online,