Why does Bank of Communications Credit Card Center always call me to sell me?

Because they need performance. You can set up call blocking, or if someone wants to sell something after you answer the call, just ignore it and just say you don’t have time to hang up now. If it still doesn't work, just go to Weibo to complain, just @CommBankCard.

With the increasing number of credit card issuances, credit card overuse has reached a point where it is difficult to control. Moreover, due to the lax review process of card issuance, it is not uncommon for bad debts, stolen cash, and credit card swiping to occur. Many people even find out that they already have a credit card application record when they take out a loan. There are several methods of credit card promotion:

1. "Cramming" credit card promotion. In major shopping malls, you will see many bank staff standing there in suits and ties, handing out or selling credit cards to you. List all the reasons that interest you to apply for a credit card, and promote credit card offers.

2. Selling credit cards over the phone makes people impatient. The salesman recommends impatiently and introduces you enthusiastically. Once you agree, he will come to your door. Especially when you are busy, you just deal with it. But the consequence is that he comes to lobby you personally and you can't refuse.

3. Introduce friends to each other to apply for cards. Maybe most people apply for a card through bank staff recommended by friends. It's hard for you to refuse a friend's friend out of favor. Think of yourself as helping. Filling out a form is a piece of cake, but you can't open a card. They don’t know whether to use the card or not. Friendships must always be taken care of.

4. Issuing gifts to attract cardholders to apply for cards. Giving gifts is the most common trick used by banks, and it has been tried and true. Many people apply for cards for gifts. Tents, quilts, and some household items will make your heart flutter when you see them, and you will take action immediately. For gifts, you just write down your information and apply for a credit card. This method is the most common and most effective.

In response to the phenomenon of banks issuing credit cards indiscriminately, the China Banking Regulatory Commission has issued a number of regulations: When banks set up booths to market credit cards, marketing personnel need to wear the logo of the bank to which they belong and show their name and affiliation. Business cards with bank, customer complaint phone number and other relevant information; and application forms are not allowed on site, and gifts are not allowed before the card is activated. At the same time, it is necessary to see and sign the card in person, and promptly remind the charging policy and risks of using the card. In addition, according to the requirements of the China Banking Regulatory Commission, banks are not allowed to issue student cards unconditionally.

What are the benefits of getting a credit card? Why do bank staff recommend it every day? You’ll know after reading this

As China’s economy is getting better and better, people’s consumption levels are also constantly improving, and their consumption concepts are gradually changing. In the past, people just wanted to have enough to satisfy their needs. The main thing is my belly, and I save what I can in other aspects. For example, my clothes have been mended for three years, and the big ones are worn out after the small ones are worn out. All expenditures at home are in a practical direction. Things such as jewelry and toys are basically not purchased. Nowadays, many young people have not experienced the hard times in the past, and parents are generally unwilling to let their children endure hardship. This has resulted in many children now spending money extravagantly.

Nowadays, many young people no longer focus on having a full stomach in terms of daily life consumption. They are more willing to work hard on spiritual entertainment consumption. Jewelry, mobile phones, computers, chasing stars, etc., everything that was considered meaningless in the past seems extremely normal now. Spending money is like running water. The moonlight tribe refers to this type of people. They enjoy their monthly material and spiritual life and believe that money is spent. Not only that, many people will also choose to consume in advance to achieve their goals. The desire to buy things by oneself, such as bank credit cards, is a tool for many young people to consume in advance. When we handle business at the bank, we can also find a window dedicated to credit card business. When doing business, you can often find bank staff recommending others to apply for credit cards. Why are banks so keen on credit card processing?

1. First of all, the number of credit cards issued is the bank’s assessment standard for employees. As a consumer loan, credit cards can grasp the advanced consumption habits of many young people now, so that they can get their money without going through a lot of cumbersome procedures. Enjoy the benefits of a loan. In this way, the source channels for banks to obtain interest are broadened. However, as there are more and more banks on the market, many banks have begun to launch credit cards in order to attract customers. This is also the goal of promoting credit cards in order to prevent their own market segments from being encroached upon.

2. The assessment tasks of many bank staff include credit card promotion. Often staff will receive bonuses when they sell credit cards. The more promotions they handle, the more bonuses they will receive. This is why many bank staff are often enthusiastic about promoting credit cards.

3. Since there are rewards, there will naturally be punishments. As an important indicator of the bank, there will be bonuses for completion, and there will be salary deductions for not completing the tasks. Therefore, bank staff have to go to the bank in order not to have their wages deducted. Promote credit cards.

4. For many people who go to banks to apply for credit cards, their bank staff also promote sales. For cardholders, there is no loss if they do not need to apply for credit cards. Some of them Naturally, I will communicate with bank staff if necessary.

In fact, the profit value created by credit cards for bank cards is still very large. First of all, in terms of overdue interest and late payment fees. Many people may say that they are not overdue. In fact, overdue does not only mean failure to repay. Monthly installments and minimum payments are considered overdue payments. As long as all the repayments are not made, overdraft interest will appear, and the minimum overdraft interest in many banks is 10 yuan. Even if you have 100 yuan in the card and have not paid it back, the interest will be calculated based on 10 yuan, even if it is said to be paid directly. There won’t be so much interest if you clear it off, but half of the people who use credit cards actually make the minimum payment every month. From this point of view, banks can charge a lot of money based on the interest on credit cards.

The second one is the annual fee. The reason why many people apply for a credit card is because there is no annual fee. They think there is no harm in getting one by yourself, but it is usually not required in the first year. There will be a consumption standard if you don’t pay the annual fee, and consumption must be done in a physical store. Many people cannot use credit cards to consume online. This also results in many people still need to pay annual fees even if they consume. There are certain conditions for some credit cards to be able to waive annual fees for life, but you need to purchase bank products, which is a profit for the bank.

1. Credit cards have always been very convenient before mobile payment became popular, eliminating the risk of carrying large amounts of cash. Now that mobile payment has become popular, credit cards have also begun to support such a scan-code payment withdrawal. , which is also very convenient for many people.

2. As a product of banks, credit cards often cooperate with many large brand shopping malls. You can also enjoy discounts when using credit cards, and consumers can also earn credit card points when using credit cards. These points You can also redeem a lot of things at the end of the year.

3. When consumers use credit cards for a long time, they will also leave a good image for their credit records, which will also be of great benefit to their future credit loans. On the other hand, if you fail to repay the loan in time and it becomes overdue, it will also affect your credit score.

Credit cards are still necessary in many cases. Nowadays, many people are burdened with mortgage and car loans. Applying for a credit card can often make them more flexible and help them solve difficulties in emergencies. However, it should be noted that you need to pay back what you use with the credit card. When you use it, you must spend it reasonably according to your own situation, and never spend randomly.

Why are the people at the bank chasing you to apply for a credit card! Give gifts when you apply for a card. What’s the trick behind it?

People from the bank are after you to apply for a credit card and give you gifts. There is no trick to apply for a credit card. The credit card issuance business is one of the basic businesses of the bank. What the bank makes is the procedures and installments of the credit card after you swipe the credit card. Interest and fees on cash advances. So why are banks so keen on promoting credit cards?

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

First, credit cards have annual fees. Generally speaking, the monthly fee is at least three yuan, and one card costs one That's thirty-six yuan a year. If you have thousands of cards, this is a huge income.

Second, users are encouraged to use credit cards to make purchases, and fees can be collected from sellers. For example, for a credit card purchase of 1,000 yuan, a processing fee of 50 yuan can be charged from the seller.

Third, if credit card users have deposits, they can make money from the interest rate difference between deposits and loans.

Fourth, credit card users can be charged high interest and liquidated damages if their overdraft is overdue.

Fifth, some banks will use clever pretexts to make illegal money.

For example, some banks hire third parties to encourage users to use a financial product called So-and-So Gold through telephone sales. Although it is claimed to be interest-free, it will charge high handling fees, which is converted into interest, which is approximately equivalent to about 18%. It's actually fine.

Credit card business can increase intermediary business income for banks and provide calculated wages for managers

For banks, credit cards can be regarded as a profit weapon for banks. Although there is an interest-free period for consumers on credit cards, as long as they are not overdue, they will basically not incur any fees. However, when making purchases, a certain handling fee has been charged to the merchant, and once it is overdue, the bank will charge high interest rates. . Generally speaking, overdue interest is calculated based on the daily interest rate of 5/10,000, and the annual interest rate is 18.25%.

Now banks are vigorously promoting credit card installments. The monthly rate for repayment in 3 installments is about 0.8%, which translates into an annual interest rate of 14.34%; for 12 installments, the rate is 0.73%, and the annual interest rate is 15.79%. It can be seen from the 2021 semi-annual reports of major banks that China CITIC Bank's credit card business revenue in the first half of the year was 28.463 billion yuan, China Merchants Bank, 41.662 billion yuan, and the four major banks had more. It can be seen that banks are really making a lot of money with credit cards.

As for the handling staff, the salesperson can also get a high amount of pricing (commission). A credit card is generally priced at 50-100 yuan by banks, and some can reach about 150 yuan. How many cards can be used in a day and a half? , the income is considerable. Therefore, there are situations where bank employees chase people to apply for credit cards.

Questions about applying for a credit card

Many people may have questions. If I apply for a credit card, use the card without installments, and repay the loan on time before the monthly expiration date, then the bank will not Can’t you earn my money and handling fees? In fact, our thinking is too simple. People who often use credit cards know very well that if you often use credit cards, it means that we are already short of funds and use them too often. In addition, the bank will call you to apply for installments. , it is difficult not to make installment payments. Nowadays, many installment credit cards for renovation and installment credit cards for car purchases only earn installment fees, and the rates are not low.

The days when banks chase you to apply for credit cards may be gone forever. If you have a large credit card, you should cherish it, maintain good card usage habits, and maintain a high credit limit. Due to the requirements of regulatory authorities such as the China Banking and Insurance Regulatory Commission, banks are now becoming more and more strict in issuing credit cards. They are not chasing you to apply for a card. Not everyone can apply for a large credit card, that is, a credit card exceeding 50,000. The bank will also strictly review the financial status of the applicant to prevent the card user from not paying back the card after it is issued, and malicious overdraft causing the credit card to become overdue. Some people still need to find someone and connections to apply for a large credit card.

Banks are not charities, and promoting credit cards is just a commercial activity. As a consumer, you still have to decide whether to handle it based on your own situation. Otherwise, without a reasonable concept of consumption, it is easy to become a "card slave".

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

When you need a product you need but don’t have much cash, some people will choose to spend money “ahead of time” and use credit cards, Huabei, etc. to prepay for products beyond their affordability. Credit card is a very common payment method and can be said to be a very common means of consumption.

According to incomplete data, the total number of bank cards currently owned in China is 79 million, with an average of 0.56 per capita, showing the purchasing power and purchasing power of the Chinese people. Why do some employees occasionally recommend you to apply for a credit card when everyone has one? There must be something fishy here.

The reason why credit card services are offered to customers via phone calls, text messages or even in conjunction with other mobile applications has everything to do with the huge benefits it brings.

At present, my country'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 deducted from the payment amount. Second, you pay in advance. If you pay in advance and the money is not paid within the specified period, your bank will set a different interest rate for you, and the fees charged will be different according to your requirements. ; Third, withdrawal is not to make money, but to provide cash to customers.

If your withdrawal is successful, your bank will pay you a certain rate. 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 a thousand yuan; the fifth is the annual handling fee. Nowadays, many domestic bank cards have stopped using this business. Although the profit is not high, it only accounts for a small amount of money for the bank; sixth, late payment requires a penalty.

These six methods are the six major sources of bank credit card business. The reason why bank employees desperately recommend them to customers is because they are attracted by the rich benefits contained in them. This is a lot of business and also A big deal. For example, a new credit card jointly launched by Meituan and Jiangsu has a total of 2.5 million credit cards, one million of which are new, giving these banks potential customers.

After using a bank card, paying the money in advance does not mean that you can not repay the money, nor does it mean that you can not repay it. You have to be responsible for your actions. Therefore, we should use our credit cards reasonably based on our own situation and current economic situation, and try not to use credit cards as much as possible. When you're stuck here, you'll never get out, and you can think of your credit card as a means of payment rather than a means of survival. Many times, we rely on our own income and abilities. When you apply for a credit card with a large limit from a large company, you have to ask yourself whether you need to apply for a credit card and whether you can pay off the maximum limit at once. Even if you can't, I recommend that you be content with your life, and using a credit card will only lead to you spending too much and eventually walking into a money trap.

This is the end of the introduction on why credit cards are always promoted and why there are so many people promoting credit cards. Have you found the information you need?