Bank Credit Card Center is not a bank establishment. It is necessary to clearly understand that these two are different attributes. The bank establishment has its own internal card channel, and its work includes the business of processing credit cards. Similarly, the bank credit card center is not affiliated with the bank establishment. The establishment of a credit card center and the establishment of bank employees are two different things. There are also employees who have been recruited from the credit card center to bank employees, but for employees who have just joined the credit card center, there is still a long way to go.

1. What is bank establishment?

Bank establishment refers to the staffing of bank employees, which mainly includes two types: First, formal bank employees (also called bank establishment) internal employees), and the second is labor dispatch contract workers.

2. Specific classification of bank staff

Formal employees of a bank are employees who have signed a formal labor contract with the bank. Enjoy the normal salary, various welfare subsidies and performance bonuses stipulated in the contract, as well as many promotion opportunities.

The bank’s dispatch workers, that is, the dispatch contract only signs a contract with the dispatch company, which is equivalent to temporary workers. The dispatch company dispatches you to work in a bank, and the bank transfers the salary and bonus to the company and then gives them to you. In layman's terms, it means that you work in a bank, but you are not an employee of the bank. You are only sent by a dispatch company to do auxiliary work in the bank, and you do not have any opportunity to enter the management level. Their wages and benefits are lower than those of regular bank employees, and their bonuses are generally the same.

3. Difficulties in the supervision of bank staff

In recent years, labor dispatch has become a more common form of employment for enterprises. Due to the lack of strong supervision and the lack of written laws and regulations on labor dispatch in the country, labor dispatch has become a tool for employers to avoid employment risks.

4. Types of credit card products

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards.