This is not easy to do.
The sales of China Merchants Credit Card is a credit card business, and the working form of credit card business is doomed to have no great future. It is not the low salary, but the low job growth.
The reason for poor credit card sales may be that in cities, especially first-and second-tier cities, everyone has several credit cards, and the number of credit cards is almost saturated. In some rural areas, it is completely a seller's market, and people who handle credit cards have to give gifts to banks.
Is credit card sales easy to do?
It is not easy to do, but hard work can work miracles.
Sales in any industry are easy to do, but difficult to do depends on your standards. To become a sales elite requires a lot of efforts and high emotional intelligence, which are essential. Credit cards, in particular, involve finance, which requires not only professional storage, but also standardization of services.
Credit card belongs to the service industry and has the product characteristics of the service industry. First of all, service products have the attribute of experience economy, and the maximization of customer contribution comes from customer satisfaction with service and repeated consumption. Secondly, the service is difficult to standardize and has the characteristics of heterogeneity or variability of standardization. Finally, due to the intangibility of services, there is a general lack of patent protection, which easily leads to fierce market competition.
Do pos machines and credit cards sell well?
At present, it is relatively easy to do.
Nowadays, the use of credit cards has long been commonplace. However, instead of putting a POS machine in the store, consumers take out their credit cards and swipe their cards on the POS machine. Instead, you can directly swipe your card by binding Alipay, WeChat and China UnionPay Express.
After all, it is a cashless society now, and few people pay in cash with wallets.
But despite this, the market for POS machines is still very large. Most card friends take POS machines not only for consumption, but also for tens of thousands of lines, which banks will not believe. Therefore, the POS machine plays a great role.
Is it easy to sell credit cards in the bank?
1, the person who sells credit cards is called a credit card salesman. Credit card salesmen are not easy to do, but if they do well, the salary is still considerable. The average salary level of credit card salesmen is basically around 5,000 yuan per month, and the highest can reach tens of thousands. However, this business is actually quite hard. There is no fixed office space at all, so I need to keep running outside every day and find all kinds of people to apply for credit cards everywhere. Rejection or embarrassment is also common.
2. The credit card clerk seems to be a staff member of a bank, and he will also show the work permit issued by the bank, which looks quite formal. In fact, this is just an ordinary certificate handled by the bank's credit card department. They are completely different from the tellers and lobby managers who really work in the bank lobby. Tellers are formal labor contracts, and salesmen are outsiders who sign agency contracts with banks. They only earn commissions on credit card sales issued by banks. They can recruit these agents, because the treatment is still good. In addition to the basic salary, five insurances and one gold will be paid normally. Of course, internal employees can also sell credit cards to earn more income for themselves.
Secondly, the basic salary of salesmen is very low, and some even don't. So most of their income comes from the performance of credit card processing. Every month, they will have a certain number of handling tasks. Under normal circumstances, the commission for handling a card is 80 to 100, and the gold card is higher; If the task is overfulfilled, the commission will increase by tens of dollars on the original basis, which is actually a very attractive salary condition.
It is precisely because of this that so many salesmen will be attracted to join the ranks of credit cards. Judging from the monthly 100 card, the basic salary is more than 8,000, which is much higher than the monthly salary of most ordinary white-collar workers outside, and if it is done well, it may be tens of thousands or even tens of thousands. The successful experience of these high-performance employees will be constantly used to motivate other ordinary salespeople.
In addition, the specific salary is directly linked to the number of cards handled each month, so some salesmen can get quite high income if they have their own contacts, such as some large enterprises, institutions and companies. They go to these local offices regularly every month, and usually they can lobby several people to get a card. Moreover, people in these units have a high probability of applying for advanced cards such as gold cards because of their stable backgrounds. Such salespeople are basically not worried about their own achievements, and they are usually the best in their own departments. However, some people often fail to complete basic tasks every month because they are too thin-skinned or have no access, and even have their wages deducted, so their wages are naturally much lower.
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day.
4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
That's enough to introduce credit cards.