Is it easy to do bank credit card sales?

1. People who sell credit cards are called credit card salesmen. Credit card salesmen are not easy to do, but if they do well, the salary is still quite considerable. Yes, the average salary of a credit card salesperson is basically around 5,000 yuan per month, and the highest can reach tens of thousands. But this line of work is actually quite hard. There is no fixed office space at all. You need to run around constantly every day, looking for various people to apply for credit cards. It is common to be rejected or scorned.

2. The credit card salesperson seems to be a staff member of a certain bank, and he will also show the work permit issued by the bank, which seems to be quite formal. In fact, these are just ordinary certificates that the bank's credit card department helps them apply for. They are completely different from the tellers, lobby managers, etc. who actually work in the bank lobby. Tellers have formal labor contracts, while salespeople are external personnel who have signed an agency contract with the bank. They only act as agents to earn commissions by selling credit cards issued by the bank. They can recruit these agents because the remuneration is pretty good. In addition to the basic salary, five insurances and one housing fund will be paid normally. Of course, internal employees can also sell credit cards to themselves to earn more income.

3. Secondly, the basic salary of salesmen is very low, and some even have no salary. Therefore, most of their income sources come from credit card processing performance. They will have a certain number of processing tasks every month. Under normal circumstances, the commission for processing a card is 80 to 100, and the gold card is higher; if the task is exceeded, the commission will be based on the original amount. Adding tens of dollars to the salary is actually quite attractive salary conditions.

4. Because of this, so many salesmen are attracted to join the ranks of credit cards. Judging from applying for 100 cards per month, the basic salary received will be more than 8,000, which is much higher than the monthly salary of most ordinary white-collar workers outside. And if you do well, it is possible to earn tens of thousands or even tens of thousands. , the successful experiences of these high-performing employees will continue to be used to inspire other ordinary salesmen.

5. Furthermore, the specific salary is directly linked to the number of card applications per month, so if some salesmen have their own channels, the income they can get is quite high, such as some large Enterprises, institutions, companies, etc., they regularly visit the offices of these places every month and can usually persuade several people to apply for cards. Moreover, because people in these units have stable backgrounds, they have a very high chance of success in applying for gold cards and other high-end cards. Such salesmen basically have no worries about performance and are usually the best in their own departments. But there are also some who, because they are too thin-skinned or have no connections, often fail to complete basic monthly tasks, and even have their money deducted, so their salaries are naturally much lower.

1. 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.

2. Credit cards stipulated in the relevant laws of our country ("Interpretations 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, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. 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.

3. 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).

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

Is it easy to be a credit card clerk?

Credit card clerks are relatively easy to do.

No job is easy or hard to do. Credit card issuance specialists are actually responsible for approving credit cards. There is not a lot of pressure after get off work. You just need to follow the regular process to score and issue cards. It is an internal office position and there is no pressure. If it is When it comes to sales, there is pressure, because there is no income without opening orders. It's hard to say about promotion space and development. It depends on your own interests and hobbies.

Generally speaking, the commission for applying for an ordinary credit card ranges from 80 to 100 yuan, while the commission for applying for a gold card credit card is about 150 yuan. If you can handle about 100 tickets a month, your income will probably be more than 10,000 yuan. A skilled salesperson may also earn a monthly salary of more than 20,000 yuan. But it takes a lot of diligence to get it.

The bank will have monthly targets. If you reach the target, you will receive a bonus. If you fail to achieve the target, you will be deducted. Some salesmen would receive very little salary because they were unable to complete tasks every month, and eventually quit their jobs. The pressure was still very high.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder 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 the 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 the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions. An electronic payment card with full or partial functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Is it easy to sell China Merchants Bank’s credit cards?

It’s not easy.

The sales of China Merchants Credit Card is the credit card business. The working form of the credit card business is destined to have no great future in this work. It’s not that the salary is low, it’s that the work growth is too low.

The reason for the poor sales of credit cards may be that in cities, especially first- and second-tier cities, everyone has several credit cards, and credit card holdings are almost saturated. In some rural areas, it is completely a seller's market. To apply for a credit card, you have to give gifts to the people at the bank.

Is it easy to apply for a credit card?

A credit card is necessary.

The direct benefits of using a credit card:

1. Easy to use: Credit cards are very convenient to use. You can use the card to make purchases and bind WeChat and Alipay for quick payment, avoiding the need to pay cash for consumption. No worries, don’t worry about the dangers of carrying too much cash with you.

2. Exclusive offers: Cardholders who hold a credit card will generally receive additional services, such as free insurance, exclusive airport access, etc. You can also participate in various preferential activities, such as half-price ordering from joint restaurants, free movies, free car washes, etc.

3. Points redemption: Credit cards can be swiped at cooperative merchants to accumulate consumption points. When the points meet the gift conditions, they are directly redeemed for goods. Some banks can even use points to recharge phone cards.

Is credit card sales easy to do?

It’s not easy, but hard work can produce miracles.

Sales in any industry is said to be easy to do, and hard to do is also difficult. After all, it depends on your standards. If you want to become a sales elite, you need to put in a lot of hard work. , and high emotional intelligence are all essential, especially credit cards, which involve finance, not only require professional storage, but also standardization of services to do well.

Credit cards belong to the service industry and have product characteristics in the service industry. First of all, service products have the attributes of experience economy, and maximization of customer contribution comes from the customer's own satisfaction and repeated consumption of the service. Secondly, services are difficult to standardize and have characteristics such as standardized heterogeneity or variability. Finally, due to the intangible nature of services, there is a general lack of patent protection, which is easy and results in too fierce market competition.

Is it easy to sell credit cards at China Merchants Bank?

It’s not easy to do. There are customer resources provided (and customers must be developed), but it also depends on which region you are working in. Different regions have different quality levels of resources. Moreover, investment promotion has stipulated daily tasks. If you fail to complete them, you will be punished, such as returning to the company in the middle of the night or being fined. In short, credit card sales are hard to do now. As for salary, so be it. You get as much as you do.

It also depends on whether the credit card promotion belongs to a third-party company or to employees within the bank. Belonging to the official establishment of the bank, it is a very stable job with high social recognition and stable income. However, the working hours are fixed and the degree of freedom is not high. It is compiled by a third party and is relatively less stable. But the income situation may be better, because outsourced credit cards calculate commission based on the number of sales, so the more you do, the higher your income will be. Relatively speaking, working hours are free.

What does China Merchants Bank's credit card sales do? What's the prospect? It's to promote China Merchants Bank's credit cards. In fact, they are salesmen, or business managers. Generally, salesmen (account managers) are divided into two types. One is a public salesman, who goes to enterprises and companies to collect deposits; the other is a private salesman, who is Pull personal deposits. In addition, the bank will set up a desk for you, but you mainly have to go outside. If you have a relationship, it will be easy, but if you don't have a relationship, it will be difficult. Because every salesperson has indicators.

1. China Merchants Bank’s credit card has a good social reputation.

2. Whether credit card sales are good or not is related to the following factors: Region a: In cities, especially first- and second-tier cities, everyone has several credit cards, and credit card holdings are almost saturated; while in some Rural areas are completely a seller's market. To apply for a credit card, you have to give gifts to the people at the bank;

How to apply for a card: Now you can apply for a credit card on some financial management APPs. Scan the QR code to apply for the card, and it will be done in two days. Card received. This amount is very large.

There must be a corresponding relationship: you can go to a shopping mall to set up a table to apply for a card; you can go to some companies to apply for a card for employees.

This is the end of the introduction about whether credit cards are easy to make and whether credit cards are easy to make in 2021. I wonder if you found the information you need?