Why do people in the bank always chase you for a credit card? What are the "routines" for banks to promote bank cards?

when you need a commodity you need and don't have much cash, some people will choose to spend money "ahead of time" and advance the goods beyond their tolerance through credit cards, flower beds and other means. Credit card is a very common payment method, which can be said to be a very common means of consumption.

According to incomplete data, the total number of bank cards in China is 79 million, with .56 per capita, which shows the purchasing power of the people of China. Why do employees recommend you to get a credit card from time to time when everyone has one? There must be something fishy in this.

why to provide credit card services to customers by phone, SMS or even in combination with other mobile applications is closely related to the huge benefits it brings.

At present, China's credit card business mainly includes six parts: First, enterprises must provide customers with a fixed handling fee. If the customer pays by credit card, then a certain fee is drawn from the amount of payment. Second, you pay in advance. If you pay in advance and don't pay back the money within the prescribed time limit, then your bank will set you a different interest, and the fees charged will be different according to your requirements. Third, withdrawal is not to make money, but to provide customers with cash. If your withdrawal is successful, then your bank will pay your fees according to a certain ratio. The fourth is interest. Every bank has an overdraft rate of 5%, and the annual interest rate is 18.25%. That is to say, you have to pay 182.5 yuan more for using 1 yuan. The fifth is the annual handling fee. Now many bank cards in China have stopped using this business. Although the profit is not high, it only accounts for a small sum of money of the bank. Sixth, late payment must be fined.

These six methods are the six sources of bank credit card business, and the reason why bank staff desperately recommend them to customers is that they take a fancy to the rich benefits contained in them. This is an expensive business as well. For example, a new credit card jointly launched by Meituan and Jiangsu has a total of 2.5 million credit cards, of which 1 million are new and given to potential customers of these banks.

after using the bank card, paying the money in advance does not mean that you can not pay back the money, nor does it mean that you can not pay back, and you are responsible for your actions. Therefore, we should combine our own situation and the current economic situation, use our credit cards reasonably, and try not to use credit cards as much as possible. When you are trapped here, you will never get rid of it. You can regard credit card as a means of payment, not a means of survival. Many times, we all rely on our own income and ability. When you apply for a large credit card in a big company, you should also ask yourself whether you need to apply for a credit card and whether you can pay the maximum amount at one time. Even if you can't, I recommend you to be satisfied with your own life, and using a credit card can only lead you to spend too much money and eventually lead to a money trap.

Why are people in the bank chasing you for a credit card? Give gifts when you get a card. What's behind it?

People in the bank chase you to apply for a credit card and give you gifts. There is no routine to apply for a credit card. Credit card issuance is one of the basic businesses of the bank, and the bank earns the interest and expenses of credit card installment procedures and cash overdraft after you swipe your credit card. So why are banks keen on promoting credit cards?

The reason why banks enthusiastically promote credit cards is mainly based on interests.

First, credit cards have an annual fee. Generally, the fee is at least three yuan per month, and one card is thirty-six yuan a year. If there are thousands of cards, this is a huge income.

second, users are encouraged to use credit cards to make purchases, and they can charge a handling fee from the seller. For example, a handling fee of 5 yuan can be charged from the seller for a credit card consumption of 1 yuan.

Third, if credit card users have deposits, they can make money from the deposit-loan spread.

fourthly, credit card users can charge high interest and liquidated damages if their overdraft is overdue.

fifth, some banks will make money under various pretexts. For example, some banks hire a third party to sell by telephone to encourage users to use a financial product called XXX Gold. Although it claims to be interest-free, it will charge a high handling fee, which is equivalent to about 18%, which is actually proper.

Credit card business can increase the income of intermediary business for banks, and it can be valued for managers.

For banks, credit card can be regarded as a profitable artifact of banks. Although credit cards have an interest-free period for consumers, as long as they are not overdue, they will not generate any fees. However, a certain handling fee has been charged to the merchants when they swipe their bills, and once they are overdue, the banks will have to pay high interest. Generally speaking, the calculation of overdue interest is based on the standard of five ten thousandths of the daily interest rate, and the annual interest rate is 18.25%.

At present, banks vigorously promote credit card installment, and the monthly repayment rate in three installments is about .8%, which translates into an annual interest rate of 14.34%. The 12 th issue is .73% and the annual interest rate is 15.79%. As can be seen from the semi-annual reports of major banks in 221, the credit card business income of CITIC Bank in the first half of the year was 28.463 billion yuan, that of China Merchants Bank was 41.662 billion yuan, and the four major banks were more. This shows that banks really make big profits by relying on credit cards.

For managers, salesmen can also get high pricing (commission). Generally, a credit card is priced at 5-1 yuan by a bank, and some of them reach about 15 yuan. There are several cards a day and a half, and the income is considerable. Therefore, there will be bank employees chasing people to apply for credit cards.

Questions about handling credit cards

Many people may have questions. If I don't use my credit card in installments and repay it on time before the expiration of each month, won't the bank earn my money and handling fees? In fact, what we think is too simple. People who often use credit cards know very well that if you usually use credit cards frequently, it means that we are already short of funds and use them more often. In addition, the bank called you to handle the installment, so it is difficult to do it without installment. Now many credit cards that decorate and buy cars in installments earn installment fees, and the rates are not low.

The days when banks chased you for a credit card may be gone forever. If you have a large credit card in your hand, you should cherish it, keep a good habit of using it and maintain a high quota. Due to the requirements of China Banking and Insurance Regulatory Commission and other regulatory authorities, the credit card issuance of banks is becoming more and more strict. It is not chasing you to get a card. Not everyone can apply for a large credit card that exceeds 5,. The bank will also strictly review the financial situation of the applicant to prevent the credit card from being overdue due to malicious overdraft after the letter is issued. Some people need to find someone and find a relationship to handle large credit cards.

Banks are not charities, and promoting credit cards is only a commercial activity. As a consumer, we should decide whether to handle it according to our own situation. Otherwise, without a reasonable concept of consumption, it is easy to become a "card slave."

why do banks recommend credit cards? These are the main reasons!

I believe many people have this experience. The bank will send a reward message to the user to introduce the card. As long as the user introduces the generated QR code to relatives and friends, the introducer will get a certain reward after the other party successfully activates the card. Then someone asked, why did the bank introduce a credit card? Then let's talk about this problem briefly.

1. Why did the bank introduce a credit card?

1. accurate positioning: compared with bank salesmen going out for exhibition and sweeping buildings, the positioning of new users introduced by this "peer-to-peer" method is more accurate, and most of them are people who need cards. Moreover, the bank lets the salesman work and needs to pay his salary every month, but the introducer doesn't need it, just give him a reward.

2. Accomplishing the performance: Since the introduction of the card is effective, it is very helpful to complete the performance requirements of the credit card business department, so in this case of low cost and good effect, banks are naturally willing to use this method.

3. business transformation: since the introduced person has applied for a credit card in the bank, the bank will introduce him to other businesses, such as loans, funds and wealth management, as long as the card use and repayment are normal and good. This can maximize the development of the "expected income potential" existing in customers.

The above is about "Why do banks introduce credit cards?" The answer, I hope to help everyone. Generally speaking, it is not only good for banks to get accurate potential customers at low cost, but also for referees to get rewards such as points. However, the introducees should pay attention to the fact that they need to have their own needs rather than lose face. After all, they have to pay back the money after the subsequent card swiping.

why are so many people still enthusiastic about opening credit card POS machines for you?

because they get a credit card, they will get a corresponding commission. I'll set up a pos machine for you. Every time I activate a pos machine, I'll get a commission of 8-1 yuan. When you spend money by swiping your card every month, they will get a rebate of 5-1% in the background! This is accumulated over time, just like repairing a pipeline. The more you do, the more credit cards you accumulate, and their income will be higher and higher!

this is a kind of promotion work, promoting the professional ethics of promoters and serving customers enthusiastically. In fact, this is a multi-faceted benefit. Banks occupy market share, customers get convenience, and promoters also get work income.

everyone should believe that no one can afford to get up early without profit, and no one will take the initiative to go to the door to apply for a credit card or POS machine.

The reason why these people actively promote credit cards and POS machines is that they are profitable.

generally, these credit card salesmen are mainly the staff of credit card centers of major banks.

The basic salary of these people is relatively low, generally only two or three thousand yuan, and their income mainly depends on the commission of handling cards. Every time they sell a card, they will earn tens of dollars.

As for the amount of income, different bank regulations are different. Generally, customers will get a commission ranging from 3 yuan to 1 yuan after handling a card, and there will be an additional commission if the customer activates it.

On the whole, if a customer successfully applies for a credit card and activates the credit card to spend, the account manager may earn between 1 yuan and 2 yuan.

If they can handle 3 customers a month, they will get a commission of 3, yuan to 6, yuan. If the number of customers is large, it is not impossible to earn tens of thousands a month.

Of course, in addition to selling credit cards, these account managers sometimes sell some POS machines to everyone, but these POS machines are not the bank's own products, but they cooperate with some acquiring institutions.

there are two modes of p>POS machine cooperation.

One way is to sell a POS machine to customers, who may get a rebate of tens of dollars after they bind their credit cards.

another mode is that customers use POS machines to swipe their cards, and these account managers can get a certain percentage of commission according to the transaction amount of swiping cards. As for the percentage of commission, the rebates given by different acquirers are different. Most payment companies basically give agents about 5/1, which is equivalent to customers getting a commission of 5 yuan when they swipe 1, yuan.

Moreover, this mode of agency rebate is permanent. As long as your subordinates keep swiping their cards, you can always get commission. Because of this, it is very attractive to many account managers.

but from the actual situation, it is not realistic to really rely on POS agents to make money.

we don't deny that in reality, there are indeed some people who have entered the industry in their early years and can earn tens of thousands of dollars a month, even 1, yuan is not a problem.

but for most agents, it's actually cannon fodder, including the account managers of these bank credit card centers, who actively promote POS machines, and few of them really make money in the end.

So don't look at the door-to-door sales promotion of bank account managers, but in fact, the industry is very mobile.

If most people don't make good achievements in three months, most of them end up resigning. In fact, not many people can really persist.

because they get a credit card, they will get a corresponding commission. I'll set up a pos machine for you. Every time I activate a pos machine, I'll get a commission of 8-1 yuan. When you spend money by swiping your card every month, they will get a rebate of 5-1% in the background! This is accumulated over time, just like repairing a pipeline. The more you do, the more credit cards you accumulate, and their income will be higher and higher!

Don't be misled by hearsay, the truth is far more than that. If the relevant practitioners who are not personally experienced answer this question, there is nothing more than a commission. I really want to laugh after reading it. Is it free to come out and work? Don't you get paid? Therefore, those who hold this view are all amateurs, so it can be said that they don't know how expensive the rice is. To this end, it can be explained from the following points.

first, handling credit cards at home is an important part of bank risk control. By visiting the marketing staff at home, he will take photos of what he has seen and heard, and feed them back to the credit center truthfully. The purpose of this is to ensure that your customer has a job and is a regular employee of the company rather than a staff member of the hanging unit. At the same time, it can be determined whether the company really exists and whether it is completely with the form address. Now many banks are equipped with mobile feed system, which can record, locate and so on. As long as there is a problem with one of the links, it can be easily found. Therefore, handling credit cards at home is an important part of Z in bank risk control.

second, save most expenses. In a developed place like Guangzhou, not to mention the high parking fee, you can rent an office space to do activities to promote credit card or other banking business, which is a few hundred dollars a day, and it is normal to spend more than three or five thousand dollars. Plus transportation back and forth, that's a lot, right? In case it doesn't work, isn't it all a waste of money? And the marketing staff go to the door to find the customer to do the card themselves, so the scene fee is exempted and the gift fee can be saved. From this point of view, the bank is really a lever.

third, it is convenient to open up the market. If each bank's credit card only waits for customers to handle business at home, it is tantamount to closing the door to the outside world, and finally it can only go with the flow. From this point of view, the significance of going out will be a brand-new market. Contemporary people are very busy, and time is particularly precious. Save time at the counter if you can save time at the counter. If you can save the time of queuing for business, you can save the time of queuing for business. It is this impression that is so common that at present, in addition to delivering food to home, even buying medicine and food can be realized through a group. The same is true for credit cards. As long as you have demand, you can always find a bank clerk you want to handle business.

fourthly, enthusiasm is a kind of working attitude, not just benefits. Everyone only thinks how much money he can get for a successful order, but you don't know how heavy the assessment is. If he doesn't pass the examination, let alone get the commission, it's hard to say whether he can continue this job. Therefore, every family has a difficult book to read. If you don't take charge, you don't know that rice, oil and salt are expensive. For salesmen