How to calculate the real income and salary of credit card salesmen

Credit card is a very important business of banks, which can bring considerable income and profits to banks. In order to recommend credit cards to consumers as much as possible, banks hire special salesmen. How to calculate the salary of credit card salesman? Let's learn about the real income of credit card salesmen.

Credit card salesman

Credit card salesman's income mainly depends on commission. The more bills, the higher his salary. Under normal circumstances, an ordinary credit card, the commission is between 8-1 yuan. If it is a gold card, the commission will be higher, averaging around 15 yuan. Because the bank will issue the card-handling index every month, skilled salesmen should handle at least 15 cards a month.

this is not all the commission income, and some banks will also make commission on the user's first brush. That is to say, the salesman helped you with a credit card, and as long as you spend it, there will be a certain percentage of commission. Credit card salesmen are usually outsourced employees, so banks will not buy social security and provident fund for them.

How much commission does a credit card salesman get

There is a big gap between different banks, and how much money you finally get has a great relationship with your card issuance, card verification rate and activation rate. Let me give you an example first: Last year, the salesman of a credit card center of a joint-stock bank came to our company to handle business, and finally several colleagues got the card. After activation, the credit card salesman gave each person a suitcase, and the price of this suitcase was about 8 yuan to 1 yuan. So you can infer how much money this salesman can get for a card. I think he can get at least 8 yuan. Of course, this kind of card delivery is generally for the purpose of completing the assessment objectives and tasks. At present, the salesmen in credit card centers are basically based on basic salary plus commission. Many banks have a basic assessment task every month. Most banks have to check 3 cards every month, and it is stipulated that only when the target is reached can they get the commission, otherwise they can only get the basic salary. At present, the basic salary of credit card salesmen in most cities is basically between 2, and 4, yuan.

1. Credit card is overdue for several days.

In fact, you will not be reported to the bank immediately after it is overdue. In fact, most banks will give cardholders some grace time. Repayment date: Some banks will give you an extra grace period after the last repayment date, which is generally about 1 to 3 days. Therefore, even if you don't pay off at that time, there will be a few days, but it should be noted here that your repayment must arrive on time during this period.

second, how long will a general credit card be overdue?

Credit cards that are overdue for more than 3 months may be cancelled. Credit cards are divided into malicious overdue and non-malicious overdue. Malicious overdue may be overdrawn by banks. If credit card holders overdraw their credit cards for illegal possession, and exceed the prescribed limit or for a period of time, they will be maliciously overdrawn if they do not repay after two effective notices from the issuing bank for three months. However, if the amount of arrears is not large or it is overdue because of the annual fee, the general bank will not collect it by telephone. In addition, according to the relevant laws and regulations, arrears of more than 5, yuan will be malicious overdraft and will be blacklisted in credit cards.

how to calculate the salary of the credit card clerk of guangfa bank?

The salary of the credit card salesman of China Guangfa Bank is based on the basic salary. If the credit card is approved, the credit card salesman of Guangfa Bank will get 3 yuan commission. The first time someone swipes this card, the credit card salesman of Guangfa Bank will get a 6-member commission. If someone successfully applies for a card, there will be 9 yuan. The basic salary of the credit card salesman of Guangfa Bank seems to be around 2.

the credit card salesman of guangfa bank scored .5 for the first card, .4 for the second card, and only .4 for the third card. Commission segmentation, related to the number of cards, interval management. In other words, the more cards are issued in a month. The commission of the credit card salesman is related to the card grade. If the buyer and the promoter are the same person, the commission of the gold card is usually about RMB 7 yuan, and the commission of the platinum card is usually about RMB 1 yuan. If the buyer and the promoter are not the same person, the commission will be distributed to the buyer and the promoter in a ratio of 1: 1, that is, 35 yuan per person or 5 yuan per person. If it is online application and offline activation, the credit card salesperson will promote it to 2 yuan.

some banks will also generate a commission for the first credit card swipe, even if customers spend money, there will be a certain percentage of commission. If you achieve the monthly target set by the bank, you may get a better bonus. Different bank credit card sales staff may have different commissions, and the specific situation is constrained by the bank's sales evaluation system.

The income of credit card salesmen mainly depends on commission, and the more bills, the higher the salary. Because the bank will issue the card-handling index every month, skilled salesmen should handle at least 15 cards a month. This is not all the commission income, and some banks will also make commissions on the first brush of users. That is to say, the salesman helped you with a credit card, and as long as you spend it, there will be a certain percentage of commission. Credit card salesmen are usually outsourced employees, so banks will not buy social security and provident fund for them.

Company posts are generally Grade 1 ***4, including general manager, business manager, business supervisor and salesman. Look at the performance, the fastest half-year promotion, salesman and owner salary linked, basically the same.

do credit card salesmen get a basic salary?

yes, but not much. The most important thing is to rely on commission.

generally speaking, the commission for handling an ordinary credit card ranges from 8 to 1 yuan, while that for handling a gold card is about 15 yuan. If you can handle about 1 copies a month, your income will be more than 1 thousand yuan, and a skilled salesman may reach more than 2 thousand yuan a month. But it takes a lot of hard work to get it.

the bank will have indicators every month, and there will be bonuses if the indicators are met, and penalties will be imposed if the targets are not met. Some salesmen will get very little salary because they can't complete the task every month, and finally they will quit their jobs. The pressure is still great.

Extended information:

In recent years, China's credit card business has developed rapidly, and has gradually become an important source of income for major financial institutions. While banks are vigorously deploying credit card business, the related risk coefficient has also increased.

many credit card customers apply for credit cards purely to help their friends complete their tasks. They are all helping friends. The bank has the task of handling cards, and the wages will be deducted if it is not completed.

It is understood that this kind of "personal card" promotion is very common. Many cardholders said that although they don't need to apply for a card, they can only choose not to open it or cancel it after receiving it for fear of offending friends, relatives and customers. Some netizens also said that in addition to friends' promotion, many credit card salesmen promoted to "people nearby" through WeChat, which made many people feel overwhelmed.