What qualifications are needed to outsource China Merchants Bank’s credit card business? What should you pay attention to?

Conditions for working as a credit card agent:

1. First of all, you must have a bank channel to handle credit cards. It is best to have a green channel in the bank.

2. In addition, you must have customer resources, that is, customers who need credit cards.

3. Once you have customers and resources, you can start business. You just need to obtain a "consulting" company business license and other procedures.

The intermediary industry does not have high requirements, and market supervision is not yet complete. The market is large and it is easy to intervene.

A credit card agent is also called a broker, which refers to the link that acts as an intermediary between different things or the opposite poles within the same thing. Opposite poles are united through intermediaries.

Bank credit card outsourcing business

Bank credit card outsourcing business usually means that the bank credit card center cooperates with a third-party company to outsource the credit card application business to a third-party company, and the third-party company is responsible for the credit card User expansion, data collection and sorting, and finally submitted to the credit card approval center for approval. Banks and third-party companies use the number of activated cards as the basis for settlement.

How to calculate the real income and salary of credit card clerks

Credit cards are a very important business for banks and can bring very considerable income and profits to banks. In order to recommend credit cards to consumers as much as possible, banks hire dedicated salespeople. How is the salary of a credit card clerk calculated? Let’s take a look at the real income of a credit card salesperson.

Credit Card Salesperson

Credit Card Salesperson’s income mainly depends on commission. The more orders are issued, the higher the salary. Under normal circumstances, the commission for an ordinary credit card is between 80-100 yuan. If it is a gold card, the commission will be higher, with an average of around 150 yuan. Because banks issue card application quotas every month, a skilled salesperson must apply for at least 150 cards a month.

This is not all commission income. Some banks will also provide commissions on the user’s first swipe. That is to say, the salesperson helps you apply for a credit card, and as long as you make a purchase, there will be a certain commission ratio. Credit card salesmen are usually outsourced employees, so banks will not purchase social security and provident funds for them.

What is the typical commission per card for a credit card salesman?

Credit card salesmen generally charge commissions ranging from a few yuan to dozens of yuan per card, and the commissions vary from bank to bank. It mainly depends on the number of agreements you sign with the bank. Generally, the more promotions you make, the higher the commission will be.

1. Credit card, also called credit card

It is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, which stipulates that the standard English name of credit cards is CreditCard.

2. Credit card consumption is a non-cash transaction payment method

There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

How to get some credit card collection business? The company has nothing to do now?

I don’t know whether you are engaged in collection at a bank or an outsourcing agency. First of all, the bank card center will remind some overdue accounts and inform them that some unfavorable factors of defaulting on credit card debt require that the debt be processed as soon as possible. For some difficult or risky accounts with malicious overdrafts, the card center will outsource branches or outsourcing institutions. The work content is to remind and communicate with the account every day and ask for repayment after doing ideological work. To put it bluntly, it is dealing with leprosy every day. The bank will provide difficult account information in batches for collection. There is a monthly recovery quota, and the quota is completed according to the regulations. A percentage is given as commission, but some institutions cleverly change the commission into bonuses, and you can pay as much as you want. The most unpleasant thing is that the leper owes money and you have to ask him nicely to pay him back.

This is the end of the introduction on how to get credit card outsourcing business and bank business outsourcing. I don’t know what you get from it. Did you find the information you needed?