Will Ping An Bank credit card meeting notify you by text message to exchange points?

Yes.

The SMS for redeeming Ping An points is real. Nowadays, Ping An's credit card points from major banks are quite conscientious, and the points can be redeemed for free items, while other banks only exchange a small part of the points in cash.

How to focus on the "three full amounts" to expand the credit card business

When focusing on the "three full amounts" to expand the credit card business, we should pay attention to 1.

Attach great importance and plan in advance. Taking credit card issuance as a key business indicator, a nationwide credit card peak season promotion meeting was held to require all employees to unify their thinking and raise awareness to ensure the completion of peak season marketing goals. The bank card center and branches have held multiple special meetings on credit card account expansion to discuss business development, innovate business development ideas, formulate business development measures, supervise business implementation progress, and effectively enhance the core competitiveness in the credit card field.

2.

Increase publicity and create an atmosphere. Embed the "1-point purchase" activity in outlet marketing to attract customers to apply for, bind and use cards, achieving "double growth" in the number of new customers and active customers. We will strengthen the publicity of promotional activities, continue to carry out credit card marketing activities, and use the "Strictly Selected Neighborhood" consumption reduction and exemption activities and property payment reduction and exemption activities to continue to expand the scale of merchants in the "Love Shopping" activity and improve customer recognition.

3.

Lock the target and conduct precise marketing. Use the "outbound SMS" batch card application system to do one-on-one marketing. At the same time, the bank card center collects the list of non-card customers and dormant customers for payroll, and organizes daily outbound calls for personnel within the jurisdiction to increase new customers and active customers. .

The credit card market is ushering in a "rectification". Many banks have made clear their bottom lines and will strictly investigate "cash-outs"

Credit cards are different from debit cards in that they have the function of advance consumption, and there are many A favorite among young people. Young people spend a lot of money, and some people like brand-name bags or shoes. It is normal for them to use credit cards to cash out to buy luxury goods. Many people even have overdue payments. In order to prevent problems with credit reporting, some people have thought of "using credit cards to support credit cards", but is this behavior really reliable?

The impact of credit cards on people

First of all, we must know that credit cards have advantages and disadvantages. People who make good use of credit cards are like a fish in water. Those who don’t make good use of credit cards are always being led by the nose. The wall makes up the west wall.

On the plus side, a credit card does not require a balance to be used like a debit card. It can be overdrafted in advance and has a maximum interest-free period of 56 days. For people who frequently use credit cards, merchants will give you some small gifts with points, and your funds are safe. In addition, banks generally have designated merchants and shopping malls, and you will get discounts for spending in these places. If you maintain a good credit record, it will also be recorded in your files, proving that you are a trustworthy person. Finally, credit card bills will be mailed to the mailbox every month, which also makes spending more planned.

The downside is that credit cards can encourage people to blindly and over-consume. Some people usually spend money lavishly and like to spend in advance. There are many people who cannot pay back later and will be charged high interest fees. There is also a risk of credit card fraud, as many cards allow payment without a password.

The credit card market is ushering in a "rectification"

Credit cards are very popular among young people because of their overdraft function. In order to satisfy the selfish desires of young people, many banks have also committed many violations. The phenomenon of helping young people apply for credit cards has been severely rectified by relevant departments.

According to the "China Quality Journey" report, the China Banking and Insurance Regulatory Commission held a meeting with the management of each lower-level branch in Beijing. The meeting emphasized that key supervision should be adopted on the spread of the credit card business and no large-scale new additions should be allowed. , nor is it allowed to help people apply for credit cards in large quantities because of performance appraisal indicators, so as to control risks, strictly check the flow of loan funds, and adopt zero tolerance for illegal banks.

This idea has also been implemented into action. The Shanghai Banking and Insurance Regulatory Commission has publicized the credit card violations of six banks including Industrial and Commercial Bank of China, Industrial and Commercial Bank of China, China Merchants Bank, Shanghai Pudong Development Bank and Construction Bank. The six banks did not comply. Due to the limit rules that cardholders should enjoy, and the lack of careful investigation of the applicant's income, a total fine of RMB 1.9 million was imposed.

The Beijing Banking and Insurance Regulatory Commission issued opinions on credit card risk prevention and control, requiring all levels to strengthen prevention and standardize bank card issuance and account opening behaviors, and conduct relevant supervision on credit card authorization credit and transaction processes.

The managers of Yancheng Chengnan Branch were fined 350,000 yuan by the China Banking and Insurance Regulatory Commission, mainly because some bank managers violated regulations in handling credit card installment business for customers.

Many banks have made clear their bottom line

Given that the number of card users is becoming younger and younger, and the credit card non-performing rate of various banks is generally on the rise, many banks are accepting credit card business. The National Banking and Insurance Regulatory Commission imposed penalties on several banks for failing to comply with regulations. The central bank has also upgraded the personal credit reporting system, directly connecting credit cards with personal credit reporting. Many banks have also revealed their true intentions.

CITIC Bank and Industrial Bank issued announcements almost simultaneously that the minimum repayment amount will be cancelled, and the advance loan amount is the new "minimum repayment amount." This means that many people who use credit card overdrafts will no longer enjoy the benefit of minimum repayment. They must pay off their bills when the time comes, otherwise the pre-borrowed money will be deducted and will be considered is overdue.

The annual report of Bank of Communications shows that the credit card business has shrunk a lot in half a year, and the number of cards issued has decreased by 80,000 in half a year. However, the consumption enthusiasm of card users has not diminished, and it has easily exceeded one trillion. close. The non-performing overdraft of credit cards reached 2.49%, an increase of approximately 1% year-on-year. The non-performing rate of loans also reached 2.38%, an increase of 0.57 percentage points year-on-year. The Bank of Communications also stated that it will adjust the customer structure and review the qualifications of loan customers. It will have a more stringent layout and repayment behavior to balance and control the risks and business of the entire credit card. On the other hand, it will also improve the efficiency of collection to ensure the safety of funds.

The NPL ratio of Shanghai Pudong Development Bank is even higher, reaching 2.38%. The NPL ratio is growing too fast. Bank officials also said that if customers with average qualifications have relatively large consumption overdrafts, the bank will A friendly reminder will be used to indicate that the customer's consumption behavior may have some negative impacts and encourage the customer to make installment bills.

The Agricultural Bank of China also stated that some users with low credit card scores will be classified as low-credit users, and will be subject to various levels of reductions from 30% to 50%. Branches in various places will also follow up. Derate customers suspected of being at risk. Ping An, Shanghai Pudong Development Bank, Hua Xia and China Guangfa Bank all have similar operations. Once the credit limit is reduced, it means that these card slaves have already failed to pay the card. They can only resort to other P2P or consumer loans to seek help from third parties. The platform uses debt to support debt. This behavior is very dangerous and will only deepen the debt.

The "hard days" of card slaves are coming

Not only overdue, the "rectification" of the credit card market also includes cash-out behavior, which means that those who used to use credit cards Card slaves who raise cards are about to face hard times.

The bank itself accepts formal cash withdrawal business, but many people choose to bypass the bank, mainly because the bank needs to pay a part of the handling fee for cash withdrawal, and the interest rate in the later period is high. Many people think of using fake consumption to get cash. Many people use POS machines to cash out fake consumption. The general interest rate is 0.05%, but cashing out through banks costs 1%. In other words, it takes 1% to cash out 10,000 yuan through a bank. The charge is close to 100 yuan, while using "Wild Road" only costs 5 yuan. The difference between the two also makes many people choose to cash out through false consumption. But things are different now. Once arbitrage occurs, it will be strictly investigated.

On the one hand, banks are increasingly punishing people who cash out, and they are monitoring the flow of funds in real time. Each bank has adopted a relatively strict risk warning system and uses big data to identify when credit cards are being used. There may be abnormal transactions in the process.

Once the user is deemed to have cashed out by the bank during the process of using the credit card, he or she will receive a "warm reminder" from the bank. If the user continues to ignore the warning, the bank will unilaterally lock the card or Derate.

On the other hand, when using credit cards, card slaves should use them in a standardized and abiding manner, so as to avoid being targeted by banks and continue to live a "good life".

Be careful of being "riddled" when cashing out

In addition to being targeted by banks, cashing out can also easily create loopholes for many criminals. According to The Paper, Liu had an unpaid credit card bill of 10,000 yuan and happened to see the agency repayment business posted by Wang on the Internet.

Liu added the other party as if grasping a life-saving straw. Wang helped Liu advance 10,000 yuan in cash through Alipay transfer. The two parties agreed that the loan would be for one day and the interest would be 200 yuan. However, Liu only paid back 1,000 yuan and promised to repay the remaining 9,000 yuan a week later. However, when the time was up and he did not pay back the money, Wang sued Liu to court and asked Liu to repay 9,200 yuan.

After ruling, the defendant Liu returned 9,000 yuan in cash to Wang without having to pay a handling fee because Wang used a credit card to cash out the money and was illegally engaged in cash settlement business and wanted to profit from it. , is an illegal act.

This example also warns everyone that when using credit cards in the future, even if you want to cash out, you must go through formal channels such as banks, otherwise you will easily be deceived by people with bad intentions.

This is the end of the introduction to credit card conferences and credit card conference topics. I wonder if you found the information you need?