How about being a credit card salesperson at China Merchants Bank?

To be honest, this Industrial Bank is very useful at the moment. If you work with some financial professions, it is normal to earn a monthly salary of tens of thousands.

1. Supplement:

1. Bank credit card processing clerks are required to make bank transfers on and off work, but they do not belong to the bank's establishment.

2. There will be certain task requirements every month.

3. The commission is linked to the number of cards applied after activation, so there is no commission if the customer only applies for a card but does not activate it.

4. Which bank is better depends on your local situation. Relatively speaking, the basic salary is basically the same, but the commission rate is different.

2. Skills:

1. First of all, fully understand the characteristics of the credit card you are an agent for, such as additional insurance, interest-free period and other advantages.

2. Second, after you have a full understanding of the credit cards you represent, pay attention to your colleagues’ sales methods and learn from them.

3. Third, after you are familiar with your colleagues and the products, you can usually start business by sweeping the floor, or go with your colleagues to areas with dense traffic, such as near large supermarkets. Apply for the card in a timely manner and try to shorten the time for applying for the card.

Finally, keep in touch with customers who have applied for the card and ask them to help develop new customers.

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 be a postal bank credit card clerk?

As we all know, the salary of postal bank credit card clerk is generally not too low, and there are not a few who earn 10k to 20k per month. The commission is generally calculated based on the type of card. The more expensive the card, the higher the commission, which usually ranges from 50 to 300. From a salary perspective, it is indeed quite impressive.

But I personally feel that there is little freedom in this industry, which is similar to that of delivery boys and couriers. You may feel that the salary is high in the short term, but in the long run there is not much room for development. Credit card salesmen cannot sell remotely. They do manual work, selling various cards and traveling to various towns. You may spend more time on the road than dealing with customers. Naturally, you don’t have time to make a future plan for your career, so you may be stuck in the same place for a long time.

Moreover, the sales threshold of credit cards is also very low, and the improvement in your sales level is also very limited.

Of course there are opportunities for promotion, as long as you work hard enough.

What does a bank credit card clerk do?

The work mainly includes:

(1) Develop and develop overseas credit card agency business, develop the credit scope of RMB credit cards, design new varieties of credit card business, and adjust the structure of different credit cards Proportion;

(2) Prepare and implement purchase and printing plans for credit card machines and cards, manage credit card machines and related vouchers;

(3) Develop cardholders and review applications The credit of the person and the guarantor, and handle account opening and card issuance for them;

(4) Issue Tuxedo’s special merchants, handle the payment for the special merchants, and clear funds with the card issuing bank;

( 5) Handle credit card cash deposits and withdrawals, off-site large-amount shopping transfer and clearing services, and send statements to customers;

(6) Carry out credit control and credit authorization for cardholders, special merchants and cash withdrawal outlets;

(7) Handle the loss report and replacement of credit cards, replace expired credit cards, and replace contaminated or damaged credit cards;

(8) Handle overdue credit cards , Confiscating stop-payment cards, counterfeit cards and fraudulently used cards;

(9) Confirm, report and receive the credit card stop-payment list, and deliver it to the acquiring bank, special merchants and cash withdrawal outlets;

(10) Handle credit card account cancellation.

What does a credit card application specialist do, including daily work! The more specific the better!

1. Credit card specialists are sent by the bank’s credit card department to life insurance companies to assist life insurance salesmen in handling credit card business.

Take Ping An Insurance as an example. Ping An’s life insurance salespeople can do cross-selling, banking business, property insurance business, credit, securities, investment, etc. Therefore, banks, property insurance, securities and other companies will designate a specialist for each department to assist salesmen in handling their own company's business, and provide relevant training and guidance to life insurance salesmen.

For banks, they are banking specialists, for property insurance companies, they are property and casualty insurance specialists, and for securities companies, they are securities specialists.

To put it simply, I am very familiar with life insurance and am an expert, but it is impossible to be an expert in property insurance, banking, and securities. In that case, I need the guidance and assistance of these specialists.

II. Job Description

Job Responsibilities:

1. Applicants aged 23-45, with one year or more work experience; (Nanjing locals may qualify Relaxation)

2. Educational background: college degree or above;

3. Enthusiastic and positive, motivated and responsible, loves his job, and can accept training from the company;

4 , have good organizational and communication skills, and be able to endure hardships and endure hardships;

5. Be able to accept challenging work with good psychological quality and teamwork ability;

6. Have experience in finance, Applicants with working experience in management, insurance, sales, service, medicine or law industries are preferred.

Job Requirements:

Job Requirements:

1. Serve the company’s VIP customers and high-value individual customers, and provide comprehensive financial management for high-value individual customers. Services;

2. Banking business: related products and services provided by Ping An Bank, including savings business, financial management business, credit card business, credit business, etc.;

3. Securities business: Stocks, bonds, funds;

4. Trust business: property trust management, financial product trust management;

5. Life insurance: health, accident, pension, education fund, group insurance etc.;

6. Property insurance: car insurance, home property insurance, cargo transportation insurance, public liability insurance, etc.;

7. Regularly contact customers to report the income of financial products, Maintain a good relationship of trust.

This is the end of this brief introduction to the marketing experience of bank credit card clerks and bank credit card employees. I wonder if you found the information you need?