Credit card, also called credit card. It is a non-cash transaction payment method and a simple credit service.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Credit card applicable population:
Credit cards are suitable for people with stable wage income, frequent credit card spending, timely repayment and good personal credit information.
What does it mean to stage credit card customers in China Bank?
The credit card customer classification of China Bank is the customer classification of China Bank, which is a credit card business for employees of government agencies or institutions. According to the inquiry, the customer base of China Bank is a credit card business for employees of government agencies or institutions by stages, and the maximum credit line for a single user is 300,000. Because the application process for customer groups by stages is relatively simple, you only need to provide some basic information to apply, and the review time is about 5 to 7 working days. The loan amount is independent of the credit card amount and has no influence on the credit card amount.
How to analyze the attitude of foreign banks' credit cards to this kind of credit cards
At present, credit card consumption is becoming more and more common, and Chinese banks are stepping up their exploration. Foreign banks have also launched credit cards to boost the China market. Recently, Mr. Zhang has handled several credit cards of foreign banks. Like Mr. Zhang, some "early adopters" have begun to take an interest in foreign bank credit cards that look tall.
Guest group
International students, high-net-worth users, early adopters
Ms. Liang, a citizen, has worked for five years and plans to go back to school to study in a business school in the United States. Considering the consumer demand in the United States, before going abroad, she prefers to choose a foreign bank headquartered in the United States to apply for a credit card.
Different from the "big and complete" target users of Chinese banks, the target users of credit cards of foreign banks are often small, and people like Ms. Liang are one of the targets of most foreign banks.
Who will handle the credit cards issued by foreign banks? The reporter learned from the bank that there are three main categories: first, international students who plan to study abroad; Second, high-net-worth wealthy individual users, because they have the need to work and live abroad; Third, white-collar workers and gold collars who have higher income and like early adopters. For them, enjoying the credit card of foreign banks is also a status symbol.
conflict
The annual credit card fees of foreign banks are much higher.
"Almost." Mr. He, a citizen, said that he spent more than half a year and found that there was little difference between the credit cards of foreign banks and Chinese banks. Yesterday, the reporter interviewed a number of foreign bank credit card holders, and their card experience was similar to that of Mr. He. For example, in terms of value-added services, it is also a platinum card. Whether it is a foreign bank card or a domestic bank card, it mainly highlights the mileage of points redemption, travel rights and hotel rights.
However, in terms of annual fee collection, the annual fee of foreign bank credit cards is generally much higher than that of Chinese bank credit cards at the same level. Take Standard Chartered Sincere UnionPay Platinum Credit Card as an example. The annual fee for the main card is 2500 yuan. According to the announcement of Standard Chartered Bank (China) Co., Ltd., only when the total cost of RMB and USD in the current year is equivalent to RMB 6,543.8 yuan+RMB 5,000 yuan, the annual fee of the credit card in the following year can be exempted. Moreover, the annual fee for the first year of card application will not be reduced.
It is also a platinum card. The annual fee for the main card of China Merchants Bank UnionPay Platinum Credit Card is 800 yuan, and the annual fee is free in the first year. If the credit card spending reached 80,000 yuan and reached 20 times in that year, the annual fee will be exempted in the following year.
Why is the annual credit card fee of foreign banks high? According to industry insiders, the annual fee income has always been an important part of the credit card income structure of foreign banks.
Cai Xiao's view: "Foreign banks have few outlets, and online services are not as perfect as domestic commercial banks." The person in charge of the credit card center of a joint-stock bank in our city said that the credit cards of some foreign banks do not support WeChat or Alipay repayment. In addition, the credit card activities of foreign banks mainly focus on business travel and overseas expenses, and there is not much benefit in daily expenses.
It is generally believed in the industry that for consumers, it is not necessary to blindly "follow the fashion" to handle foreign bank credit cards, but to optimize credit card products according to their actual needs.
This concludes the introduction of credit card customer base and the development plan of credit card customer base. I wonder if you found the information you need from it?