How long is the trial period of an outsourced credit card?

The trial period of an outsourced credit card is 1 to 3 months.

According to outsourced credit card recruitment information, the probation period is generally 1-3 months. Employees with excellent work performance can be promoted to regular positions.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit.

Is there a difference between credit card outsourcing and bank negotiation?

Yes. Credit card collection is divided into two types of credit card outsourcing services: in-house collection and outsourcing collection.

Is it safe for an outsourcing company to handle credit cards?

Because their own credit card applications were rejected, some cardholders choose some credit card agency companies to apply for credit cards. Is it safe to use an outsourcing company to apply for credit cards?

1. In terms of regulations, since May 2009, the State Administration for Industry and Commerce and the China Banking Regulatory Commission have jointly issued a document prohibiting banks from using agency outsourcing to market credit cards. Therefore, online agencies are illegal. The bank will not authorize any company or individual to engage in agency business.

2. When a bank issues a credit card, it essentially has a contractual relationship with the applicant. Currently, all banks require users to sign relevant information in the presence of bank personnel. Therefore, many agency websites claim that they can provide services nationwide, but they are basically deceptive.

3. In addition, the credit card itself is based on credit before the bank issues it to the user. Not everyone can apply for it. In fact, it is equivalent to the bank lending money to the user first. The bank is an enterprise. , Risk comes first and credit cards will not be issued at will. Banks will strictly verify relevant identity, financial resources, employment and other relevant information. The agency company claims that it can be processed with an ID card, but it is simply impossible to do so. The credit card limit is not decided or expected by the applicant at all, but the credit limit given by the bank based on the user's comprehensive review score.

4. All credit cards issued by banks are free of charge. There are no deposits, handling fees, deposits, etc. All fees will be paid after the card is approved, such as annual fees or consumption repayments. Payment etc. The agency companies charge handling fees before issuing the card or only after placing the card. The essence is to take advantage of the user's lack of money and want to use the card as soon as possible, and use the so-called deposit method to charge fees in disguise.

5. Basically all agency companies are websites registered by individuals. The website servers are generally placed abroad. The website does not have an ICP registration number. Users can visit the website of the Ministry of Industry and Information Technology to check the website registration status (sometimes due to the infringement of the query person) (there are cases where the website cannot be opened), you can also check related tool websites. If there is no relevant registration information, it will definitely be illegal.

6. It is very risky for users to submit detailed personal information to the agency, such as copies of ID cards, detailed home addresses, personal property status, etc. Even if the card can be applied for individually, the detailed information is in the hands of the agency company, which may even lead to irreparable consequences of being directly maliciously overdrafted by the agency company.

7. Applying for a credit card online does not mean that all online credit card applications are illegal. The Internet has become very popular and convenient. In addition to applying for cards at the branch counter, banks have also launched online credit card applications. Channels, it is understood that the official websites of China Guangfa Bank, China Merchants Bank, Industrial and Commercial Bank of China, Industrial Bank, CITIC Bank, China Everbright Bank, China Construction Bank and other banks have opened online credit card applications. The main application process is that after the bank submits it online, the bank's local staff will provide door-to-door service or the user will go to the bank business hall to verify the information and then receive the card.

To sum up, it is unsafe for outsourcing companies to apply for credit cards. Now, in order to provide better services or expand business volume, some banks have also developed cooperative relationships with some professional credit card websites. There is no risk. All The business is handled by bank personnel. The working identity of bank personnel can be verified by calling the bank’s customer service.

What does the credit card post-loan outsourcing line mean?

It refers to the specialized service part of credit card. According to the Internet data query, the credit card outsourcing line refers to the credit card specialized service part

Is the credit card outsourcing company's responsibility?

Yes. The credit card is controlled by the outsourcing company and is the responsibility of the outsourcing company. Outsourcing companies refer to companies outsourcing non-core departments or businesses to corresponding professional companies during the implementation of management systems.

That’s it for the introduction of outsourced credit cards.