How to do a good job in credit card promotion - Stock City Experience
In the eyes of many people, those who promote credit cards are bank staff, and ordinary people cannot do it. This understanding is completely wrong. In fact, anyone can be a promoter. Next, the editor will introduce to you how to promote credit cards.
1. Be familiar with the business. As a credit card promoter, you must first understand the relevant business of your own bank's credit card, such as how to determine the customer's creditworthiness, whether an annual fee is charged, how much the annual fee is, what circumstances can reduce or reduce the annual fee, and failure to repay the loan on time. How to charge late fees, etc. The key point is to know how your credit card is different from other credit cards, what are the more preferential policies and other related issues that customers would like to know more about.
2. Set related gifts. Nowadays, various banks are springing up in endlessly. Each bank is promoting credit cards. Customers who want to apply for a credit card will naturally make a comparison to see whose gifts are better and more suitable. Therefore, if you want to apply for a credit card, The promotion of good credit cards and appropriate gifts can have a very good effect.
3. Make relevant packages. Credit card-related packages are also very important, such as supermarket shopping discounts, hotel dining discounts, etc. Friends who like to go to supermarkets will naturally apply for your card if they think the discounts are strong, and some foodie friends will also apply for it. , so setting the package is very important.
4. House sweeping promotion. One of the promotion methods is to sweep the floor. Go to the office building or residential building of potential customers for face-to-face promotion. You also need to be skilled in sweeping the floor. You can first let the other party know about your card through various methods such as communicating with them. If you are interested, then you can promote it to them and let them apply for a card.
5. Local promotion. Local promotion is actually setting up stalls outside for promotion. First, find a place with a large flow of people to promote. Once the promotion location is determined, then you need to find a way to gather popularity. This is very important. If there is no popularity, it will definitely be difficult. To promote and gather popularity, you can choose various methods such as posting leaflets, shouting, etc. As long as someone comes to ask, you must let them sit down and communicate slowly. This is also a way to attract popularity.
In the process of credit card promotion, you should always maintain interaction with old customers. Remember to notify old customers in time when any new discounts come out. In this way, you can build a relationship with old customers. If they need to apply for a credit card, customers, they will also actively help you recommend them.
Words for promoting credit cards
1. Customer: How much card limit can I apply for? The strongest words:: The limit of a credit card is a comprehensive score. The key lies in the information you provide and According to the records we found, the limit is mainly decided by you. Based on your conditions, I think the limit should be relatively high.
2. Customer: Is there an annual fee? How is it charged? The strongest word: Yes, gold card is 300, regular card is 100, and supplementary cards are free of annual fees for life. But you don’t have to worry, we will waive it for you in the first year of the main card, and we will waive it for you in the second year if you use the card six times in the first year. You go to the supermarket and swipe 6 bottles of mineral water, just swipe them six times.
1. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards where the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit cards A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.
2. Credit cards are generally special carrier plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name and other contents are printed on the front, and the name of the cardholder is printed on the back. Chip, magnetic strip, signature strip. Cardholders can use their credit cards to shop, spend, and deposit and withdraw cash from banks.
3. It is said that one day in the 1950s, American businessman Frank McNamara entertained guests at a hotel in New York. After dinner, he found that he had forgotten his wallet and had to call his wife to bring cash to the restaurant to pay the bill. He was deeply embarrassed, so McNamara came up with the idea of ????creating a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club.
Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.
How to promote credit cards!
Hello, selling sales cards is difficult, but it is also very simple. The main contradiction is that the high-quality customers that banks care about are relatively mature people who are not so keen on credit cards. The various procedures for applying for a card are very cumbersome for them. People who are keen on applying for cards are relatively young. Generally speaking, the best places to sell credit cards are companies. If you follow a customer closely, you can successfully sell to them in the circle around them. These people's lives and incomes are relatively stable, and they are better customers. Of course, public affairs personnel are better, but public affairs personnel rarely deal with them collectively unless it is a relationship introduction. There are also steps that can help people minimize the hassle. Such as various certificates. Learn about some risk-free solutions.
Advantages:
1. You can overdraft without deposit and enjoy the interest-free period of 25-56 days. You can repay your loan on time without paying any interest.
2. When shopping, swiping your card is not only safe, hygienic and convenient, but you can also earn points and give gifts.
3. Special merchants with cardholders in the bank can enjoy discounts
4. Accumulate personal credit and add integrity records to your credit files, which will benefit you throughout your life.
Disadvantages:
1. Blind consumption with credit cards is not like paying cash. You spend money one by one. I feel nothing after brushing it. A few numbers lead to blind consumption and money flowing down the drain. However, can you be irrational about what to buy and what not to buy?
2. Excessive consumption of laptop installment payments, digital camera installment payments and smartphone installment payments. While enjoying their favorite items in advance, I also have to consider whether my salary will be just a drop in the bucket when I repay the loan next month?
3. High Interest If you cannot take good care of your credit card and cannot repay on time when the final repayment date arrives, the bank will charge a certain interest fee to avoid greater risks. You only have yourself to blame.
4/ Affect personal credit record Long-term malicious default will naturally affect personal credit record and even be blacklisted by the bank. It will be difficult to borrow money from the bank to buy a house or a car in the future - but if you don't ask, you won't manage your money.
How to sell credit cards to relatives
To sell credit cards to relatives, just talk about the advantages of credit cards when they are short of money. At present, the main essence of credit cards is borrowing and consumption, which is also the main selling point of credit cards of major banks. The added value of this kind of service is just the icing on the cake for credit card users, rather than a timely help.
Credit card marketing skills and methods
When users apply for a debit card or savings card account at the bank counter, they can mention the use of credit cards. According to the customer's use of credit cards, If the customer has not applied for a credit card, actively recommend it and explain the benefits of using a credit card.
If the customer did not apply for a credit card and did not explicitly reject it at the time, but said he was considering it, then give the customer a business card and contact the customer within a period of time. This is the target customer. There is a high chance that you will need to apply for a credit card.
The counter said that if you have applied for other credit cards, you can focus on the differences between the benefits of your own bank's credit cards and those of other banks. It is better to highlight your own credit card.
How to find customers for credit card sales?
Method 1: Setting up stalls in bustling areas to promote sales
At the entrances of major shopping malls and supermarkets, and in open-air squares, you can often see staff from many banks, neatly dressed in suits. Ties are standing there, handing out, or just accosting you and trying to sell you a credit card. Most of them are enthusiastic, and if they see that you are a soft-hearted and lively person, or that you are alone, they will definitely tell you about the discounts and benefits of credit cards, and list various reasons that make you excited. At this moment, you may not be able to escape and simply fill out the information. Anyway, the salesman said well, if you don’t like the card, you don’t have to activate it.
Method 2: Take the trouble to sell on the phone
This type of method is actually very annoying, but some people do fall for it.
The salesman recommends impatiently and introduces enthusiastically. Once you agree, he will come to your door. Especially when you are busy, you just deal with it. But the consequence is that he comes to lobby you personally and you can't refuse.
Method 3: Recommend friends to apply for cards
Most people may apply for a card through bank staff recommended by friends. It's hard for you to refuse. Think about it, you are helping. Filling out a form is a piece of cake. They don't know if you can open a card or use it. You have to take care of your friend's feelings.
Method 4: Distribute gifts to attract customers
Giving gifts when applying for a card is the most common trick used by banks, and it has proven successful time and time again. Many people apply for cards for gifts. Tents, quilts, and some household items will make your heart flutter after you see them, and you will take action immediately. For gifts, you just write down your information and apply for a credit card. This method is the most common and most effective.
In response to the phenomenon of banks issuing credit cards indiscriminately, the China Banking Regulatory Commission has issued a number of regulations and credit card issuance policies. When banks set up booths to market credit cards, marketing personnel need to wear the logo of the bank to which they belong and present business cards containing their name, bank to which they belong, customer complaint phone number and other relevant information; and application forms are not allowed on site, and cards are not allowed to be used without activation. Gifts must be given in advance, and at the same time, they must be personally seen and signed, and timely reminders of charging policies and card use risks must be made. In addition, according to the requirements of the China Banking Regulatory Commission, banks are not allowed to issue student cards unconditionally.
This is the end of the introduction on how to promote credit cards and how to promote credit cards on Jianjian. I wonder if you have found the information you need?