What are the customer bases of credit cards? Who often uses credit cards?
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 based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards are issued by banks and give cardholders a certain credit limit. The cardholders can consume within the credit limit and then repay. A credit card; a quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the prescribed credit limit. The so-called credit card generally refers to a credit card only.
Applicable people for credit cards:
Credit cards are suitable for people who have stable salary income, frequent card purchases, can repay on time, and good personal credit.
The main sources of China Merchants Bank’s credit card customers
China Merchants Bank’s credit card customer base tends to be younger.
China Merchants Bank Credit Card has always maintained a keen sense of the changes in the entertainment market. It is well versed in the development trends of the entertainment industry and uses IP to leverage entertainment. It can always expand the art of IP through cross-border entertainment at the first time. The way of expression connects users' emotions, becomes a vane and catalyst in the entertainment market, enhances the value of the entertainment industry, and thus improves the IP ecosystem. From "Honor of Kings" to "Saint Seiya", they are all popular among users.
In addition, China Merchants Bank has also accurately targeted leading Internet companies and cooperated closely with Tencent, Baidu and many other companies. It always keeps abreast of the development pulse of the Internet industry and promotes strategic cooperation with various leading and unicorn companies. , cooperate with precise targeted delivery technology to improve the layout in various fields.
What consumer groups are credit cards suitable for?
The types of credit card consumer groups can be roughly divided into:
Price-sensitive people: If you are particularly price-sensitive, then maybe Whether you have to pay an annual fee to apply for a card is your first consideration. Some banks will provide annual fee exemption for the first year for group card applications, or provide annual fee discounts for specific units to apply for cards.
Brand-oriented: Price is not very important to you, but you are particularly particular about brand. You can apply for a card for your favorite bank card brand, whether you admire the time-honored brands of the four major state-owned banks, or It is a new brand of commercial banks, and you can get satisfaction when applying for a card.
Benefit priority: What benefits the card can bring is the most important focus. You can first compare various benefits, including points validity period, additional insurance, bank supporting discounts provided, and shopping mall discounts. Click Wait to make your selection. In addition, various co-branded cards are also the best choice for those who are concerned about card benefits.
Convenience comes first: time is money. What you need is whether it is convenient to apply for a card at your door, deliver the card, make payment, the quality of customer service phone service, and related services of online banking, etc.
Popular followers: I hope to become the envy of everyone. The cards currently issued by domestic banks include transparent materials, beautiful patterns, and irregular shapes, which can meet the needs of pursuing fashion.
Credit card traders: Using credit cards is just for convenience. Use credit cards as a substitute for cash and checks, and the balance will be paid off in one go at the end of each month.
Credit card revolvers: Use credit cards as financing tools and are happy to use the credit card's revolving credit function and pay loan interest.
Multiple users: Absolute classification is unrealistic. There will also be situations where consumers belong to the above two types at the same time. That is to say, you are a trader when it comes to some small purchases, and you become a turnover person when it comes to some large purchases.
Who is eligible for BOC’s top 100 co-branded credit cards?
BOC Top 100 co-branded credit cards are mainly issued to the following customers:
1. Top 100 Group five-star card, Samsung card, points card customers and new VIPs.
2. Payment and financial management customers: mainly include customer groups who have needs such as payroll payment by enterprises and institutions, payment of utility bills such as water and electricity, household daily expenses, online payment, financial management, etc.
3. Credit consumption customers: mainly include customer groups with needs such as overdraft consumption, revolving credit, installment payment, interest-free repayment period, online payment, and credit card points.
4. Fast payment: mainly includes customer groups with demand for electronic cash small-amount payment (contactless payment, contact payment).
The above content is for your reference, please refer to actual business regulations.
This concludes the introduction to credit card customer groups and credit card customer groups. Have you found the information you need?