Is it safe for outsourcing companies to handle credit cards?

Because their applications for credit cards were rejected, some card friends chose some credit card agencies to apply for credit cards. Is it safe for outsourcing companies to apply for credit cards?

1. In terms of laws and regulations, since May 29, the State Administration for Industry and Commerce and the China Banking Regulatory Commission have jointly issued a document prohibiting banks from using agency outsourcing to market credit cards. Therefore, online agencies are illegal. Banks will not authorize any company or individual to engage in agency business.

2. The essence of issuing credit cards by banks is that there is a contractual relationship with applicants. At present, all banks have implemented that users need to sign relevant materials in person when bank personnel are present. Therefore, many agency websites claim that they can act as agents nationwide, which is basically cheating.

3. In addition, the credit card itself is based on credit, and the bank will issue it to users. Not everyone can apply for it. In fact, it is equivalent to the bank lending money to users first. The bank is an enterprise, and the risk comes first, so it will not issue credit cards at will. Banks will strictly verify relevant information such as identity, financial resources and work. The agency company claims that it can handle it with ID card, which is impossible to realize. The credit card limit is not determined or expected by the applicant at all, but the credit limit given by the bank according to the comprehensive evaluation score of the user.

4. All credit cards issued by banks are free of charge, and there is no need to collect deposits, handling fees, deposits, etc. All fees will not be paid until the card issuance is approved, such as annual fees or consumer repayment. Agency companies charge fees before issuing cards or only after issuing cards. The essence is to take advantage of the psychology that users want to use cards as soon as possible because of lack of money, and charge fees in disguised form by means of so-called deposit.

5. Basically, all agency companies are websites registered by individuals. The website servers are generally placed abroad, and the websites have no ICP record number. Users can visit the website of the Ministry of Industry and Information Technology to inquire about the filing status of the website (sometimes the website can't be opened due to too many inquirers), and they can also inquire about related tool websites. If there is no relevant filing information, it must be illegal.

6. It is very risky for users to submit personal detailed privacy information, such as a copy of ID card, detailed home address and personal property to the agency. Even if a few cards can be made, the detailed information is in the hands of the agency company, and even the consequences of malicious overdraft directly by the agency company are irreparable.

7. Handling credit cards online does not mean that it is illegal to apply for credit cards online. At present, the Internet has become very popular and convenient. In addition to handling cards at the counter of outlets, banks have also opened online channels for applying for credit cards. It is understood that the official websites of banks such as Guangfa Bank, China Merchants Bank, Industrial and Commercial Bank, Industrial Bank, China CITIC Bank, China Everbright Bank and China Construction Bank have all opened online credit card applications. The application process is mainly that after the bank submits it online, the local staff of the bank will come to the door to serve or the user will go to the business hall of the bank to verify the information and get the card.

To sum up, it is unsafe for outsourcing companies to handle credit cards. Now, in order to provide better services or expand business volume, some banks have also cooperated with some professional credit card websites, and there is no risk. All business is accepted by bank personnel, whose work identities can be verified by calling bank customer service.

Is the Bank of Beijing Credit Card Center outsourced?

The business of the Bank of Beijing Credit Card Center is not outsourced, but most of the credit card salesmen they work for are sent by a Fesco company. Because credit card salesmen are generally basic positions in banks, and the demand is very large, the personal quality requirements for salesmen are not high, and the cost of bank of Beijing's own recruitment is very high, so they choose to include these employees in the form of outsourcing. The following is a detailed introduction of Bank of Beijing Credit Card Center.

1. Introduction to the Credit Card Center.

On June 25th, 215, Bank of Beijing Credit Card Center (hereinafter referred to as "Bank of Beijing Credit Card Center") was formally established in Beijing. At the same time, it was announced that it had formally signed a contract with Sesame Credit, an independent third-party credit evaluation and credit management agency, to create an "all-round smart credit card" together with it.

second, the card processing cycle of customers in Bank of Beijing Credit Card Center.

from the time when the cardholder starts to apply to get the credit card, the credit card issuance cycle of Bank of Beijing is generally about 2-4 days. Because the credit card center will start to file the customer's situation after obtaining the customer's application and submitted materials, the filing period usually takes about 3-5 days. After that, it will take 1-2 days to make the card. After the card is made, it needs to be mailed by registered mail. The mailing time is usually about 7-15 days, so basically it takes about 2-4 days to get the card.

3. Overview of products of Bank of Beijing Credit Card Center.

There are various credit card products in Bank of Beijing Credit Card Center, among which the most popular credit cards include Bank of Beijing Standard Credit Card, Women's Centennial Card and Bank of Beijing Chinatown Co-branded Card, etc. Among them, Bank of Beijing Standard Credit Card has the basic functions of credit consumption, cash deposit and withdrawal, transfer and settlement, and can be used in merchants and ATMs with the "UnionPay" logo at home and abroad, and cardholders can enjoy corresponding value-added services according to the credit grade and product category of their credit cards.

is citic bank's credit card center outsourced?

no. CITIC Bank Credit Card Center is a leading financial data, information and software service enterprise in Chinese mainland, headquartered in Lujiazui Financial Center. Outsourcing means that an enterprise dynamically configures its own and other enterprises' functions and services, and uses external resources to serve its internal production and operation, which is inconsistent with CITIC Bank Credit Card Center and is not an outsourcing company.

Is the credit card the responsibility of the outsourcing company?

Yes. Credit cards are controlled by outsourcing companies and are the responsibility of outsourcing companies. Outsourcing company refers to the enterprise outsourcing those non-core departments or businesses to corresponding professional companies during the implementation of management system.

This is the end of the introduction about whether the bank's credit card outsourcing company and the bank's credit card business are all outsourced. Did you find the information you need?