Is credit card sales profitable?

Credit card sales are very profitable. The credit card sales industry is very promising, and it is related to performance. If you do well, you can earn over 10,000 yuan a month, and there will also be commissions.

How to make money with a credit card

If you want to make money with a credit card, you can only make full use of the interest-free period. Cardholders can enjoy the longest interest-free period when swiping their cards for consumption on the second day of the statement date. . Generally, there are 50 days. Cardholders can use these 50 days to do some investment and financial management, and maybe they can get good returns. Generally, when cardholders make major purchases, it is more cost-effective to use the interest-free period for financial management.

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1. Annual fee. Competition in the bank credit card market is also fierce now. Most banks will reduce or reduce the total amount or number of card transactions and earn it in the form of handling fees. Credit card Credit card swiping fees are deducted from credit card swiping fees. This fee is mainly shared by the card issuing bank, UnionPay and the acquiring bank. The card issuing bank will charge between 0.36 and 0.48, which is a huge benefit. Interest, overdue repayment will charge high interest, generally charged at 0.05/day, with interest calculated on a daily basis and compound interest calculated on a monthly basis. Installment fee: When the cardholder repays the loan in installments, he or she needs to pay a certain installment fee. It is also the main way to make money. Other income, such as cash withdrawal fees, loss report fees, SMS function fees, etc.

2. Among the several key points of bank credit card income, the main source is: card swiping fees. Therefore, most cardholders want to keep their credit card limits stable or increase their limits. It must be that we swipe the card and the bank can get the benefits it deserves. It’s not that we can make money just by swiping cards at banks. The type of credit card swiping is important. For standard merchants who swipe their cards, the bank will earn fees normally. Credit card discounts are popular among public welfare merchants (that is, code skipping), and banks make less or no money at all. The current industry situation is to close self-selected merchants. The best thing is to match the merchant's schedule, swipe the card accurately to exit the merchant, prevent merchants from jumping randomly, and avoid bank risk control. Simulate real consumption by swiping cards at diversified merchant types, improve the overall score of credit cards, and increase the credit card limit.

3. Users are the biggest resource. Every bank hopes to have as many resources as possible. In order to seize the credit card market, banks now have opened up card application rights to the outside world, which means that we can apply for cards through certain platforms and get commissions. As long as you have enough ability to sell more credit cards, there is no need to worry about making no money, and the commissions on credit cards are quite high, with the highest price being 500 yuan per card. As we all know, the function of a credit card is that you can overdraw part of the funds in advance for use. It is this part of the funds that has unlimited possibilities. Many people will choose to invest their credit card money and use their own money for daily consumption. As long as they have the ability to manage and invest money, they can choose to maintain a card first and then use the money for financial management. However, the risk of doing so is still relatively high, so it is best to act within your capabilities.

How is the commission for credit card salespersons calculated? How is the salary structure calculated? Does Bank of Communications calculate it? I hope you will get a detailed answer. Is it worth it?

For every successful transaction of Bank of Communications credit card sales, the commission is one percent of the credit card limit.

For example: After the credit card application is successful, the credit limit is 10,000 yuan, then the salesperson's commission is 100 yuan.

There are two types of Bank of Communications credit card clerks:

1. Corporate clerks are those who go to enterprises and companies to do business.

2. The personal salesperson handles personal credit card business.

Extended information:

Main products

Bank of Communications credit card products are named after "Pacific". Common Bank of Communications credit card varieties include:

Pacific Dual Currency Credit Card, Pacific Y-power Credit Card, Pacific Liu Xiang VISA Credit Card, Bank of Communications Pacific Walmart Credit Card, Bank of Communications Pacific Suning Electronics Credit Card, Pacific Airlines Secretary Card, Bank of Communications Hong Kong New World Department Store Credit Card and Pacific Business Card, The Expo Card is based on the Shanghai World Expo.

The new Bank of Communications Pacific Credit Card is a truly global credit card that integrates Bank of Communications' vast nationwide service network and HSBC's management experience and technical support.

Whether you are at home or abroad, you can enjoy shopping and leisure conveniences, highlighting the advantages of global accessibility.

Pacific Liuxiang VISA credit card, Pacific Airlines Secretary Card, and Expo Card are no longer available.

How much commission do you get from applying for a credit card?

There is a big difference between different banks in terms of how much you can get from applying for a credit card, and the final amount of money you get will vary from bank to bank. Your card issuance volume, card verification rate and activation rate have a great relationship. Let me give you an example: last year, a salesperson from the credit card center of a joint-stock bank came to our company to handle business. Finally, several colleagues applied for the card. After activation, the credit card salesperson gave each person a suitcase. The price of the suitcase It's probably between 80 yuan and 100 yuan. So you can infer how much money this salesperson can get for applying for a card. I think he can get at least 80 yuan or more. Of course, this type of card application and box delivery is usually done to complete the assessment target tasks. At present, the salespersons in the credit card center basically receive a basic salary plus commission. Many banks have a basic assessment task every month. Most banks have to verify 30 cards every month, and it is stipulated that only when the target is reached can you get commission, otherwise you can only get a basic salary. Currently, most cities have credit card business The basic salary of employees is basically between 2,000 and 4,000 yuan.

1. How many days after the credit card is overdue?

In fact, it is not that you will be reported to the bank immediately after the credit card is overdue. In fact, most banks will report it to the card holder. Some grace time. Repayment date: Some banks will give you an additional grace period after the final repayment date, which is generally about 1 to 3 days. Therefore, even if you have not paid off at that time, there will still be a few days. But please note here that during this period your repayments must arrive on time.

2. How long does it take for an overdue credit card to be charged?

Credit cards that are overdue for more than 3 months may be subject to expiration. Credit cards are divided into malicious overdue and non-malicious overdue. Malicious overdue may be punished by the bank. If the credit card holder overdrafts and uses the credit card for illegal possession, and exceeds the prescribed limit or for a period of time, after two valid notices from the issuing bank for three months, Failure to repay will result in malicious overdraft. However, if the amount of arrears is not large or the annual fee is overdue, banks will generally not accept the payment and will only collect it through phone calls. In addition, according to relevant legal provisions, if the amount of arrears exceeds 5,000 yuan and has not been repaid after collection, It is a malicious overdraft and will be included in the credit card blacklist.

How to calculate the real income and salary of credit card clerks

Credit cards are a very important business for banks and can bring very considerable income and profits to banks. In order to recommend credit cards to consumers as much as possible, banks hire dedicated salespeople. How is the salary of a credit card clerk calculated? Let’s take a look at the real income of a credit card salesperson.

Credit Card Salesperson

Credit Card Salesperson’s income mainly depends on commission. The more orders are issued, the higher the salary. Under normal circumstances, the commission for an ordinary credit card is between 80-100 yuan. If it is a gold card, the commission will be higher, averaging around 150 yuan. Because banks issue card application quotas every month, a skilled salesperson must apply for at least 150 cards a month.

This is not all commission income. Some banks will also provide commissions on the user’s first swipe. That is to say, the salesperson helps you apply for a credit card, and as long as you make a purchase, there will be a certain commission ratio. Credit card salesmen are usually outsourced employees, so banks will not purchase social security and provident funds for them.

This is the end of the introduction about how credit card salesmen make money and whether credit card salesmen make money. I wonder if you found the information you need?