How to promote credit cards!

Hello, selling sales cards is difficult, but it is also very simple. The main contradiction is that the high-quality customers that banks care about are relatively mature people who are not so keen on credit cards. The various procedures for applying for a card are very cumbersome for them. People who are keen on applying for cards are relatively young. Generally speaking, the best places to sell credit cards are companies. If you follow a customer closely, you can successfully sell to them in the circle around them. These people's lives and incomes are relatively stable, and they are better customers. Of course, public affairs personnel are better, but public affairs personnel rarely deal with them collectively unless it is a relationship introduction. There are also steps that can help people minimize the hassle. Such as various certificates. Learn about some risk-free solutions.

Advantages:

1. You can overdraft without deposit and enjoy the interest-free period of 25-56 days. You can repay your loan on time without paying any interest.

2. When shopping, swiping your card is not only safe, hygienic and convenient, but you can also earn points and give gifts.

3. Special merchants with cardholders in the bank can enjoy discounts

4. Accumulate personal credit and add integrity records to your credit files, which will benefit you throughout your life.

Disadvantages:

1. Swiping a card for blind consumption is not like paying cash. You spend money one by one. I feel nothing after brushing it. A few numbers lead to blind consumption and money flowing down the drain. However, can you be irrational about what to buy and what not to buy?

2. Excessive consumption of laptop installment payments, digital camera installment payments and smartphone installment payments. While enjoying their favorite items in advance, I also have to consider whether my salary will be just a drop in the bucket when I repay the loan next month?

3. High Interest If you cannot take good care of your credit card and cannot repay on time when the final repayment date arrives, the bank will charge a certain interest fee to avoid greater risks. You only have yourself to blame.

4/ Affect personal credit record Long-term malicious default will naturally affect personal credit record and even be blacklisted by the bank. It will be difficult to borrow money from the bank to buy a house or a car in the future - but if you don't ask, you won't manage your money.

How do tellers effectively market credit cards?

Every teller who works in a bank knows that bank counters actually have various indicators, one of which is credit card. When I usually go to other banks, some tellers ask me if I want to apply for a credit card. I can only answer that I have many bank friends and I have applied for credit cards from every bank. .

However, I also need to market credit cards over the counter, and I once successfully marketed 9 credit cards in one day. Therefore, I divide marketing methods into three types according to different customers, one is recommendation based on strength, one is coquettish and cute, and the other is temptation with benefits.

The first kind of strength recommendation is to be cautious when doing business. For example, a customer comes to draw a 6-month statement, issue a certificate of deposit, or change. . Hey hey! Babies! The opportunity has come! At this time, you can probably guess that the customer's direction is to travel abroad, so you can introduce a full-currency credit card, or a dual-currency credit card.

Of course, if you usually use a credit card, you can make introductions more easily. You can go to the website to learn more about the activities, and you can also adjust the direction of your introduction according to the needs of the customer during the introduction.

If you just ask empty-handedly whether you want to apply for a credit card, you will easily be rejected. You have to be shameless and continue to chat with your aunt.

For example

"Auntie, which country are you going to apply for a deposit certificate?"

Out of vanity at this time, Auntie will Tell you with a proud face, "Hey, I'm going to Spain, Germany, and Europe this time~"

Then you can say tactfully, "Our bank has all kinds of currencies." It’s easy to use, and there are no currency exchange fees. Now that the euro is rising so fast, it’s very convenient and cost-effective to deposit it into your account in real time!”

With this kind of communication, the aunt will feel that you are thinking about her from her perspective! , the next thing will be easier to handle.

The second type is the coquettish and cute type. As the saying goes, everyone has their own preferences. As long as you are a small teller, you will encounter the kind of customer who smiles at you as soon as you come up and especially appreciates you (usually Most people want to find a partner for their son or daughter when they are old, I guess)

At this time, in addition to serving with a smile, you also need to serve coquettishly. Think about the indicators behind you, and say shamelessly, please, uncle, we have indicators, please do us a favor~

Customers are also human beings, especially those who trust you, please do me a favor. Well, most people are still willing to do it. However, you cannot betray the trust of others, and the rules and details of the introduction must be explained carefully.

The third type is the profit temptation type.

For some customers who know little about credit cards, but are not against it, and at the same time their eyes are shining with the gifts displayed on your counter, don’t say much, show your weapons!

“Auntie, wouldn’t it be nice to take this gift home for your children to play with? It doesn’t matter if you apply for a card and don’t use it when you go back. You will receive a small gift when you apply for the card!”

No one would refuse something that others forcefully shove into their arms, right?

However, there are also some coincidences, which are successful in one-sentence marketing.

For example, when I opened a card and checked my personal information, I casually asked the girl at the door, "What is your zodiac sign~"

She replied, "Pisces" ”

I said, “Our bank has a Pisces credit card. The design of the card is very beautiful. Do you want to apply for one?”

She said “Okay”

Oh my god, what luck!

Of course, this is just a simple summary based on some customers I met at the counter. Welcome to correct and add to it~

Finally, I wish you all great success in marketing~

How to become a credit card salesman?

If you want to become a credit card salesman, you must first have a clear understanding of credit card rules, then be familiar with sales techniques, and at the same time properly understand the bank's requirements for recruiting credit card personnel, so that you can go for interviews.

How about doing credit card sales?

I have been doing credit card sales for a period of time. First of all, as a job, this job is indeed achievable because of his salary. The level is indeed very high, because our team’s top income can basically earn about 30,000 yuan a month. I am not very good at working in the team, but I can guarantee that I can reach 15,600 yuan a month. In ordinary people, Among first-tier cities, this level of income is still very high, but one thing is that it is quite difficult.

Personal advice.

This is a very physically demanding job, because I basically run from morning to night every day. And if you have relatively little social experience, you will actually suffer a lot from doing this job, mainly because this job requires you to often deal with strangers, which is the so-called strangers. You need to be able to chat with the other person in just a few minutes and sell your product to him at the same time. In fact, most people are very disgusted with credit card applications, but as long as your conversational skills can reach a certain level, at the same time There is also a certain degree of affinity, so the speed of applying for a card is still very fast.

Don’t be afraid of hardship.

When I first started doing this job, it was mainly because I had no money, so I wanted to find a high salary, but I didn’t have any skills, so I chose to become a credit card salesperson. At that time, I had to sweep the building every day. The so-called sweeping of the building meant running from bottom to top and visiting every company in the entire building.

At the beginning, I couldn't even place a single order in one building, but slowly my communication skills gradually improved, and I could see the person's character in a short time, and then start a conversation with him. As the trading volume gradually increased, I also discovered that this job is actually a lot of fun, the biggest of which is that I can get to know people from all walks of life. Therefore, in any industry, as long as you practice hard, you can achieve something. It depends on how you view the job.

That’s it for the introduction of how to do credit card sales.