First, issuing credit cards is one of the main assessment indicators of banks. Banking business mainly includes intermediary business such as taking deposits, issuing loans and fund settlement. In fact, credit card is the carrier for banks to issue small consumer loans, and it operates in the form of credit. In a certain interest-free period, cardholders can enjoy the loan return in the form of bank pre-loan. This not only meets the short-term demand of consumers for small funds, but also achieves the purpose of banks issuing loans through multiple channels and expanding the channels of interest sources, which is essentially a win-win situation. For banks, the credit card market is very attractive because of its low cost and high profit. The competition in the banking industry is becoming more and more fierce. Many banks have not only issued the target task of issuing cards, but also issued the target task of demand deposits and installment settlement.

Secondly, it is about task indicators. After receiving the task assigned by the superior, the business point must be decomposed and implemented step by step. At this time, when depositors handle business, tellers often recommend corresponding products according to customer conditions, which is also the requirement of the service system; Secondly, as a job, tellers must seize every possible opportunity to publicize to customers, so as to complete the work as soon as possible and avoid withholding wages and bonuses.

The third is related interests. According to the assessment system, each branch will reward and punish its subordinate branches, and finally the subordinate branches will reward and punish individuals, and sell credit cards with a quota of tens of dollars. This price is no different from the piece-rate wage in the factory workshop. This is not surprising because of the particularity of the banking industry.

Fourth, for cardholders, no matter whether they do it or not, there is no economic loss. People who love credit cards will definitely agree with the behavior of supporting teller marketing, because they know the benefits that credit cards bring to them, such as emergency funds, gift rewards, discounts and so on. Although the credit card has not been activated or spent, according to the credit card management regulations, ordinary credit cards do not generate annual fees. Special credit cards and credit cards with large credit lines, such as gold cards and platinum cards, generally have fixed annual fees. Whether it is activated or not, the number and amount of card swiping after activation can avoid paying the annual fee, but the marketing staff will inform it in advance. If you don't think it's suitable for you, you can totally refuse.

Many people think that credit cards have no annual fee and interest-free, so do it. In fact, there are many ways for banks to make money.