Why bank staff want you to apply for a credit card

There are four reasons.

First, issuance of credit cards is one of the main assessment indicators for banks. Banking business mainly includes intermediary businesses such as deposit taking, loan granting, fund clearing and so on. In fact, credit cards are the carrier through which banks issue small consumer loans and operate in the form of credit. Within a certain interest-free period, cardholders can enjoy loan repayment through bank advance loans. This not only satisfies consumers' short-term demand for small funds, but also allows banks to issue loans through multiple channels and expand sources of interest. It is essentially a win-win situation. For banks, the credit card market is attractive because of its low costs and high profits. Competition in the banking industry is becoming increasingly fierce. Many banks have not only issued card issuance targets, but also current deposit and installment settlement targets.

The second is about task indicators. When a business point receives tasks assigned by superiors, it must be broken down and implemented to each person step by step. At this time, when depositors handle business, the teller will often recommend corresponding products based on the customer's situation, which is also a requirement of the service system; secondly, as a job, the teller must seize every possible opportunity to promote to the customer as soon as possible. Get the job done and avoid salary and bonus deductions.

The third is interest-related. According to the evaluation system, each branch will reward and punish its subordinate branches. In the end, their branches will reward and punish individuals and sell credit cards worth tens of yuan. This price is no different than piece rate wages on the factory floor. This is not surprising given the peculiarities of the banking industry.

Fourthly, for cardholders, there will be no economic loss regardless of whether they apply or not. People who love credit cards will definitely agree with the act of supporting teller marketing because they know the benefits that credit cards bring to them, such as emergency funds, gift rewards, discounts, and more. Although the credit card has not been activated or consumed, according to the credit card management regulations, the annual fee for ordinary credit cards is not charged. Special credit cards, credit cards with large credit limits, such as gold cards, platinum cards, etc., generally have a fixed annual fee. Regardless of whether it is activated or not, the number and amount of card swipes after activation can be exempted from the next annual fee, but the marketer will notify you in advance. You can completely reject anything you think is not suitable for you.

Many people think that credit cards have no annual fees and are interest-free, so go for it. In fact, banks make money in many ways.

Is it necessary to apply for a credit card?

It is necessary to apply for a credit card.

The direct benefits of using a credit card:

1. Easy to use: Credit cards are very convenient to use. You can use the card to make purchases and bind WeChat and Alipay for quick payment, avoiding the need to pay cash for consumption. No worries, don’t worry about the dangers of carrying too much cash with you.

2. Exclusive offers: Cardholders who hold a credit card will generally receive additional services, such as free insurance, exclusive airport access, etc. You can also participate in various preferential activities, such as half-price ordering from joint restaurants, free movies, free car washes, etc.

3. Points redemption: Credit cards can be swiped at cooperative merchants to accumulate consumption points. When the points meet the gift conditions, they are directly redeemed for goods. Some banks can even use points to recharge phone cards.

Why do banks recommend applying for a credit card? Mainly for these reasons!

I believe many people have this experience. The bank will send users a reward message for introducing the card. As long as the user introduces the generated QR code to relatives and friends, after the other party successfully applies for the card and activates it, the introduction People can get certain rewards. Then someone asked, why do banks recommend applying for a credit card? So let’s briefly talk about this issue.

1. Why do banks recommend applying for credit cards?

1. Accurate positioning: Compared with bank clerks who go out to do business and sweep buildings, this kind of "point-to-point" introduction of new users is more accurate, and most of them are people who need useful cards. Furthermore, banks require salespeople to work and need to pay salaries every month, but introducers do not. They only need to give some incentives.

2. Completion of performance: Since the effect of introducing card application is good, it is very helpful to complete the performance requirements of the credit card business department. So in this case of low cost and good effect, the bank will naturally Happy to do it this way.

3. Business conversion: Since the introduced person has applied for a credit card at the bank, as long as the card is used and the repayment is in good condition, the bank will also introduce him to other businesses, such as loans, funds, Financial management, etc. This can maximize the "expected revenue potential" existing in customers.

The above is the answer to "Why do banks recommend applying for credit cards?" I hope it can be helpful to everyone. In general, by introducing a credit card, not only can the bank obtain accurate potential customers at a low cost, but the introducer can also receive rewards such as points, which is quite good. However, the person being introduced needs to pay attention to the fact that when applying for a card, it must be based on his or her own needs and not because of the loss of face. After all, the money after swiping the card will have to be paid back by the person himself.

Why should I apply for a credit card? What are the benefits?

Many cardholders have always stayed away from credit cards, especially when they saw those "XXX overdrawn their credit cards and were unable to repay them and were sentenced to prison" "," and "someone came to apply for a credit card and the credit card was stolen" and other negative news, which makes people feel that they should not apply for a credit card.

In fact, credit cards are not a scourge. A large part of the reason for these negative news is due to problems with cardholders. It has nothing to do with the credit card itself. There is no need to reject credit cards.

You know, for many people, the advantages of holding a credit card outweigh the disadvantages. Let’s introduce to you why you should use a credit card and how to choose the right credit card.

Analysis of the three major benefits of credit cards:

1. Accumulated credit: People who have never dealt with a bank will have a blank record in the central bank’s credit reporting system. If you want to change this situation, start by using a credit card. As long as you apply for a credit card, swipe the card frequently and repay it on time, you can establish good personal credit, which will be very beneficial for handling bank-related business in the future.

2. Save money: Credit cards can be used for overdraft consumption, but don’t be blind when swiping your card. It is best to understand clearly what discounts you can enjoy with your credit card, so that you can save money by swiping your card. For example, if you apply for a Bank of Communications credit card, you can participate in the "Redtest Friday" event and get a refund of card swiping points by swiping your card in supermarkets.

3. Temporary emergency: For example, if your laptop is lost, you must buy a computer immediately because of work needs, but you have no savings. If you want to buy a computer, you can only borrow money from someone. If you have a credit card, you can swipe the card to buy a computer immediately, and you can also choose to repay in installments to relieve stress. All in all, having a credit card with a certain limit can make you more prepared when facing emergencies.

The benefits of credit cards are not limited to the above three points, so I will not introduce them one by one. You can experience them yourself during the process of using the card.

Why is it recommended to apply for a credit card?

If you don’t have a credit card and don’t have any loans in the bank, it is recommended that you consider applying for a credit card, because if we don’t have any consumption records in the bank, the bank will judge it as a white account. In fact, there are two types of customer groups that banks hate the most. One is those who have no money or owe money and refuse to pay it back (that is, the more money you are short of, the less the bank will give you money), and the other is those who have no consumption history or loan records and belong to pure small businesses. For the white customer group, after all, the bank has no basis to prove how much money I can lend you to ensure that the bank's interests will not be damaged. The bank is equivalent to only making risk-free loans.

The important advantage of having a credit card is that you are not a blank slate with the bank. If you encounter an emergency in the future and require a large amount of funds, the bank will be more likely to give you a certain loan limit or even a higher amount. Amount of loan.

This ends the introduction on why you should open a credit card and why you should open a credit card. Have you found the information you need?