How to find a salesperson if you want to apply for a credit card

You can first choose the bank you like, then call the bank’s credit card service hotline to ask if they can provide door-to-door credit card service, and wait for the business after making an appointment. Just come to your door.

It is recommended not to contact unknown credit card salesmen online. In fact, in addition to the door-to-door processing by credit card salesmen, you can also apply for credit cards without leaving home through the bank's official website, mobile banking, WeChat banking and other channels.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Since the card is sent by mail after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from fraud losses, the credit card has set up a card opening procedure before it is officially launched. Card opening is mainly done by phone or online. The relevant personal information provided during the application is checked. Once the information is met, the card opening process is completed.

At this point the applicant becomes the card holder and can officially start using it after signing on the back of the card. After opening a credit card, you generally need to set up a password for the card. After a credit card merchant or bank accepts a credit card, it must review the validity of the credit card and the identity of the cardholder.

I am a credit card salesperson. How can I find Duoduo customers?

1. Generally, if you want to ask customers to help you apply for a bank card, you need to meet in person. This kind of customer has a high level of trust. Only those who can bring it to your work or show your work permit can be applied for by others. The resources of relatives, friends and relatives are often limited, and we are embarrassed to trouble others many times, so we must try to find as many customers in the same city as possible. Some professional tools, such as Dolphin Mobile Number Generator, can choose a city and provide you with the mobile phone numbers of people in the same city. Now that you have this, it will be easier to handle. You can add him to a certain letter, promote the circle of friends, and also popularize some business knowledge. Occasionally take pictures of your work and send it to the circle of friends. Then the trust of customers will be high. .

2. To apply for a credit card, you can find people around you, such as relatives, friends and classmates, but these resources are limited after all. You can choose to go out to run errands. If you don’t want to go out to run errands, you can only find customers through the Internet. Asking customers from the same city to come to the company also has a high level of trust. You can use the Dolphin mobile phone number generator. Select the city you are in and you can get local numbers. Once you have the number, it is easy to add a certain letter and promote it in your circle of friends.

3. The bank credit card processing center sometimes sets up stalls in places with high traffic volume to apply for credit cards, such as vegetable markets, around schools, etc., and the speed is relatively fast. The salesperson hands the complete form to the supervisor on the same day, and the supervisor scans or sends it directly to the headquarters by express delivery. This is done on the same day or the next day. There are special channels to reach the headquarters, so it is fast.

1. Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

2. For consumption online or at POS or through ATM transfer and withdrawal, no overdraft is allowed, and interest will be calculated on the amount in the card as a current deposit. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use.

How to find a large number of customers who want to apply for a credit card? Those who have resources in this area can cooperate

1. To apply for a credit card, you can contact people around you, such as relatives, friends and classmates. However, these resources are limited after all. You can choose to go out to run errands. If you don’t want to go out to run errands, you can only go online. Way to find customers. Asking customers from the same city to come to the company also has a high level of trust. You can use the Dolphin mobile phone number generator. Select the city you are in and you can get local numbers. Once you have the number, it is easy to add a certain letter and promote it in your circle of friends.

2. Bank credit card processing centers sometimes set up stalls in places with high traffic volume to apply for credit cards, such as vegetable markets, around schools, etc., and the speed is relatively fast. The salesperson hands the complete form to the supervisor on the same day, and the supervisor scans or sends it directly to the headquarters by express delivery. This is done on the same day or the next day. There are special channels to reach the headquarters, so it is fast.

3. While recommending others to apply for a bank card, you can also provide some daily necessities, such as toothbrushes and toothpaste, fans, suitcases, etc. I recommend it to young people who are new to the workplace in various units. They are more willing to spend money in advance, and they have less money on hand. If they need an overdraft, they can only use a debit card while waiting for someone to deposit and withdraw money at the counter.

1. To apply for a bank card, if you are a small bank, it is best to have connections. It does not matter, you can only bite the bullet and find something with a large number of employees, such as a textile factory, a school, etc. , it’s best if you can find the principal, but if you can’t find it, you can also find an accountant. The amount of money you promise to pay for a card should be within your profit range. All that's left is to take a peripheral to the factory, sit there, and wait in line for the employees to do it.

2. Debit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

3. Debit card [debitcard] can be used for consumption online or at POS, or for transfer and withdrawal through ATM. Overdraft is not allowed, and interest is calculated on the amount in the card based on current deposits. Funds are withdrawn directly from the savings account when spending or withdrawing money. Debit cards generally require a password (PIN) when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their levels; they can be divided into domestic cards and international cards according to their scope of use. Yes

No

How to find a large number of credit card customers

The problem of prospecting is too common. There are many ways to prospect customers now. I think proactive prospecting is the best way. Effective,

such as Want Want bulk sending, email marketing, etc.

This thing can be achieved through some kind of mass-sending software. The search software can replace manual operations. Just wait for the customers to come to your door and then follow up. You can also visit companies and do land promotions or something.

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 issuing bank's name, validity period, number, cardholder's 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 merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

Credit card is a non-cash payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with a credit card. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

Credit cards are issued by commercial banks to individuals and organizations. They can use them to shop and consume with special organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the card issuing number printed on the front. Cards with bank name, validity period, number, cardholder name, etc., and a magnetic stripe and signature strip on the back.

A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), join VISA, MASTER Wait for international credit card organizations to make it universally applicable.

How to find customers for credit card sales?

Method 1: Setting up stalls in busy areas to promote sales

At the entrances of major shopping malls, supermarkets and open-air squares, you can often see the staff of many banks, neatly dressed in suits. Ties are standing there, handing out, or just accosting you and trying to sell you a credit card. Most of them are enthusiastic, and if they see that you are a soft-hearted and lively person, or that you are alone, they will tell you constantly about the discounts and benefits of credit cards, and list all the reasons that make you excited. At this moment, you may not be able to escape and simply fill out the information. Anyway, the salesman said well, if you don’t like the card, you don’t have to activate it.

Method 2: Take the trouble to sell on the phone

This type of method is actually very annoying, but some people do fall for it. The salesman recommends impatiently and introduces 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.

Method 3: Introduce friends to each other to apply for cards

Perhaps most people apply for cards through bank staff recommended by friends. Friends of friends do so out of favor. It's hard to refuse. Think about it, you are helping. Filling out a form is a piece of cake. They don't know if you can open a card or use it. You have to take care of your friend's feelings.

Method 4: Distribute gifts to attract customers

Giving gifts when applying for a card is the most common trick used by banks, and it has proven successful time and time again. Many people apply for cards for gifts. Tents, quilts, and some household items will make your heart flutter after 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 and credit card issuance policies. When banks set up booths to market credit cards, marketing personnel need to wear the logo of the bank to which they belong and present business cards containing their name, bank to which they belong, customer complaint phone number and other relevant information; and application forms are not allowed on-site, and cards are not allowed to be used without activation. Gifts must be given in advance, and at the same time, they must be personally seen and signed, and timely reminders of charging policies and card use risks must be made. In addition, according to the requirements of the China Banking Regulatory Commission, banks are not allowed to issue student cards unconditionally.

That’s it for the introduction of how to find customers when applying for a credit card.