What departments are there in the credit card center?

There are review department, business department, finance department, and collection department

The credit card department manages all credit card matters, including credit card inquiries Apply for users' credit qualifications, apply for credit cards for qualified users, calculate credit card interest and service fees, track overdue users' personal information and recover arrears.

The credit card center mainly has the following departments: review department, business department, finance department, and collection department.

The bank's credit card center mainly has several major positions: management positions; development positions, which are the most common positions in the bank's credit card center, and channel development positions are also in this category; personnel and finance positions, responsible for People and finance, but many bank credit card centers are not self-service finance, so they are not necessarily set up; there are many technical positions, including the development of new financial products, mobile product development, network maintenance, technical services, etc. position. In addition to the above positions, the bank's credit card center also has many other positions.

The job of the bank credit card center is to do business. Simply put, it is to let customers apply for credit cards of their bank. All bank credit card centers handle credit card business. The credit card center is a huge department unit, usually a secondary department of a bank, including risk control, customer service, gifts, co-branded activities, etc.

All functions of the credit card need to be managed by the Credit Card Center. For example, card approval, credit rating, consumption account records, risk control, credit card promotions, card points management, etc. These are core functions and are generally formal employees of the banking system. Telephone customer service is generally outsourced.

The credit card center is relatively independent in management, similar to a branch, but under the management of the head office. However, the difference between a bank credit card center and a bank lies in management issues. Credit cards are generally run by third-party institutions, with only a few people from the bank handling the business. The bank is internal, but the people it recruits now are basically contract workers dispatched by third-party labor departments.

What is the job content of a bank credit card clerk?

The work mainly includes:

(1) Develop and develop overseas credit card agency business, develop the credit scope of RMB credit cards, design new varieties of credit card business, and adjust the structure of different credit cards Proportion;

(2) Prepare and implement purchase and printing plans for credit card machines and cards, manage credit card machines and related vouchers;

(3) Develop cardholders and review applications The credit of the person and the guarantor, and handle account opening and card issuance for them;

(4) Issue Tuxedo’s special merchants, handle the payment for the special merchants, and clear funds with the card issuing bank;

( 5) Handle credit card cash deposits and withdrawals, off-site large-amount shopping transfer and clearing services, and send statements to customers;

(6) Carry out credit control and credit authorization for cardholders, special merchants and cash withdrawal outlets;

(7) Handle the loss report and replacement of credit cards, replace expired credit cards, and replace contaminated or damaged credit cards;

(8) Handle overdue credit cards , Confiscating stop-payment cards, counterfeit cards and fraudulently used cards;

(9) Confirm, report and receive the credit card stop-payment list, and deliver it to the acquiring bank, special merchants and cash withdrawal outlets;

(10) Handle credit card account cancellation.

What does a credit card center do?

According to Article 4 of the "Notice of the China Banking Regulatory Commission on Issuing Supervision Guidelines for Specialized Institutions of Chinese-funded Commercial Banks": The term "specialized institutions" as mentioned in these Guidelines refers to Chinese-funded institutions An institution established by a commercial bank to focus on a specific field of business of the bank, which is different from traditional branches

This concludes the introduction to the work of the bank's credit card center and what the bank's credit card center does. , I wonder if you found the information you need?