Why do banks recommend applying for a credit card? Mainly for these reasons!

I believe many people have this experience. The bank will send users a reward message for introducing the card. As long as the user introduces the generated QR code to relatives and friends, after the other party successfully applies for the card and activates it, the introduction People can get certain rewards. Then someone asked, why do banks recommend applying for a credit card? So let’s briefly talk about this issue.

1. Why do banks recommend applying for credit cards?

1. Accurate positioning: Compared with bank clerks who go out to do business and sweep buildings, this kind of "point-to-point" introduction of new users is more accurate, and most of them are people who need useful cards. Furthermore, banks require salespeople to work and need to pay salaries every month, but introducers do not. They only need to give some incentives.

2. Completion of performance: Since the effect of introducing card application is good, 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, the bank will naturally Happy to do it this way.

3. Business conversion: Since the introduced person has applied for a credit card at the bank, as long as the card is used and the repayment is in good condition, the bank will also introduce him to other businesses, such as loans, funds, Financial management, etc. This can maximize the "expected revenue potential" existing in customers.

The above is the answer to "Why do banks recommend applying for credit cards?" I hope it can be helpful to everyone. In general, by introducing a credit card, not only can the bank obtain accurate potential customers at a low cost, but the introducer can also receive rewards such as points, which is quite good. However, the person being introduced needs to pay attention to the fact that when applying for a card, it must be based on his or her own needs and not because of the loss of face. After all, the money after swiping the card will have to be paid back by the person himself.

Why do banks encourage people to use credit cards?

A large part of bank performance comes from credit cards. Recommending users to apply for credit cards can not only increase revenue, but also increase user stickiness. . Therefore, bank staff will actively recommend users to apply for a credit card. In addition, each bank employee will have a monthly quota for applying for a card. In order to achieve the quota, the workers will also actively recommend users to apply for a card.

Whether a user needs to apply for a card depends on their own needs. If there is no need to apply for a card, the user does not need to apply for a credit card. .

Before canceling the card, you need to pay off the outstanding balance, settle the annual fee, and withdraw the remaining balance. When canceling the debit card at the counter, just withdraw the balance.

Before canceling your credit card, please note that if there is an overdue record on your credit report, it is not recommended to cancel it. If you cancel at this time, the overdue records will be kept for a long time. It is recommended to maintain good repayment habits and wait until the overdue records are covered before applying for cancellation.

Different types of bank card cancellation methods are different: Debit card:

Debit card cancellation can be done by yourself or automatically by the bank. . To cancel on your own initiative, you only need to go to a bank branch with your ID card, bank card and other relevant information. In the case of automatic cancellation by the bank, you need to clear the bank card balance yourself to handle it. Generally, when there is a bank card that has not been used for a long time and has a small balance, the bank will automatically cancel the account.

Credit card:

Credit card accounts can be canceled by calling customer service or canceling at bank branches. In the case of phone cancellation, the user can call the customer service hotline of the credit card and ask customer service to help cancel the card. In the case of cancellation at the counter, the user needs to bring their ID card, credit card and other relevant information directly to the branch of the credit card issuing bank to handle the process

Process:

First of all, if the bank card is a debit card, then There is no need to cancel the card. When there is no more money in the card, the bank card will enter sleep state. After a while, the system will automatically cancel the bank card.

If you must cancel the card, you can only go to the bank counter in person to cancel it. You need to take your ID card to the place where the account was opened to cancel it. Remember, you must go to the place where the account was opened. This cannot be done in another place.

If it is a credit card, because the credit card can be overdrafted, it is best to take it to the bank to cancel it if you no longer use it, and there is no interest on the money in the credit card.

Before canceling your credit card, please note that if there is an overdue record on your credit report, it is not recommended to cancel it. If you cancel at this time, the overdue records will be kept for a long time. It is recommended to maintain good repayment habits and wait until the overdue records are covered before applying for cancellation.

Why do banks issue credit cards?

Banks issue credit cards just to make money, to be precise, to make money without risk. \The issuing of credit cards by banks is actually lending. Lending is not as simple as storing. Banks must consider the issue of capital risk. In order to control capital risks, banks have established a credit system as an important basis for corporate and personal loans. There is a credit mechanism, but without the customer's credit record, the bank still has no way to judge the quality of the customer. In order to establish a complete credit system, banks must introduce simple and easy borrowing methods for all customers, so credit cards appeared. \Because credit cards have the following characteristics: The review, card production, and issuance of credit cards are all process-based. Compared with other loans, the issuance cost is very low. , Credit card is the most extensive among all bank loan methods. , Credit card bills are issued once a month, and customers must repay them every month, which is the fastest way to return funds. , Credit cards are the most profitable of all bank loans. , Credit cards are the lowest risk method of lending.

This ends the introduction on why banks promote credit cards and why banks actively promote credit cards. Have you found the information you need?