People who set up stalls everywhere to handle bank credit cards are generally fine. This is a marketing strategy of the bank.
In this way, banks will greatly increase the circulation of credit cards. For banks, the more people apply for credit cards, the more income they earn. At the same time, they authorized a special person to handle credit cards, which also saved costs. Relatively speaking, the speed will be faster.
1. On the same day, the salesman handed the form with complete information to the supervisor, who scanned it or sent it directly to the headquarters. This is all done on the same day or the next day, and there are special channels to reach the headquarters, so it is very fast.
The bank counter only sends it once every few days, which is not as fast as the salesman. Moreover, the card handled by the salesman is a door-to-door card, and the code of the door-to-door card can be filled in. Door-to-door means that the salesman has visited the unit on the spot, which makes it easier to approve the card.
Extended data
But pay attention to the following points:
1. The person who handles it needs to have all the certificates for bank work;
2. When handling, you can't give any of your original documents to the other party;
There is no need for them to apply for credit card approval at home. Whether the credit card can be approved or not, and the amount should be decided according to the actual situation;
If the salesman has nothing, as long as you show your certificate, it is not credible, most of them are liars, so pay attention.
The safest way is to go to the bank counter. There is no other good way.
Matters needing attention in using credit card
(1). Cherish your quota. You must cherish your quota. No matter how much, it is brought by your own credit information. Don't be overdue. Once overdue, it will have a great impact on yourself.
(2) Credit card repayment must be prepared with several credit card repayment methods, such as online banking transfer, ATM deposit and Alipay repayment. And be sure to repay the loan on time and arrive at the account immediately to avoid overdue.
(3) Choose a credit card that suits you and apply more. It is best for a person to have several credit cards. When money is tight, you can use a credit card to deal with emergencies. CITIC Bank I Platinum Credit Card immediately applies for a platinum card that can make money without annual fee.
(4) When using a credit card, you must keep a card. The initial credit card limit will not be too high. You need to carefully raise your own card to have a limit of tens of thousands or even hundreds of thousands.
Does the person who swipes credit cards on the street work in a bank?
People who help others with credit cards on the street may not work in banks, or they may be employees of outsourcing companies found by banks, but the final review of credit cards is carried out by banks.
Now is the Internet age. Of course, there is no need to go to the counter for such a small thing as a credit card. Just apply directly on the webpage or mobile app. But it is not recommended that you apply online. It's not that the bank doesn't welcome you to apply on the website. On the contrary, if everyone takes the initiative to apply online, banks will laugh in their dreams. You don't have to spend money on promotion, and you don't have to let pushers run around. What you save is real money!
If you can't wait to push your little brother or sister, the correct posture should be to find someone who already has a target card, ask him to send you an invitation link, and then you fill in the information. Just as online games will distribute gold coins and props to invitees and invitees, most banks have prepared gift packages, some of which are cash back, some are in kind, and at worst, they will be large points. If you find the right channel, a complete new user can even get two or three hundred yuan as long as he has a card.
In addition, some banks apply for credit cards online by default, which is a general card and there is no loss. It will be too late to regret after you have applied in a daze. One of your precious places has gone out.
The conditions for applying for a small credit card will not be too high. Generally, credit cards are required to be between 18 and 60 years old, with relatively stable income or large assets such as garages, which are not available. You can deposit some money in their bank. However, due to national policy reasons, college students generally cannot apply for credit cards with a limit.
In addition to basic information such as ID number and mobile phone number, the bank will also ask the applicant to provide information such as education, professional status, company address and residential address. When filling in the information, if you encounter the income column, you can write it more appropriately; White-collar workers who work longer hours can give themselves a promotion; The company's fixed telephone number must be filled in. If not, write it down in the canteen downstairs. Of course, you have to say hello to the store in advance, and some banks will really call to verify.
You'd better write down the information you filled in in case the customer service makes you forget it.
After you fill it out, you can wait for the bank to handle it. Credit card business card printing time is not long, mostly in 1~3 days, and the review time is long. Generally, a credit card can lend money in a few days, and the express card will be approved on the same day, sent and activated within three days; Some dragged on for more than half a month. Credit card progress inquiry can be completed on the bank's APP, and friends who are anxious to know whether their credit cards can be used can go up and have a look.
It doesn't matter if the credit card is not approved. I don't want to stay here, but please note that applying for a credit card should not exceed three times in one month and six times in three months, which is easier to approve and the amount is higher.
Are street salesmen selling credit cards liars?
The nature of push is a common sales model for most credit card salesmen. If you have doubts about this, you can check the other party's work permit and work certificate.
Real gold is not afraid of stove fire, and I believe that the eyes of the masses are discerning. Selling credit cards is part of the daily work of banks. In high, middle and low-grade office buildings, shopping malls and living quarters, it can be seen everywhere. Go to the bank counter to do business, and the staff will ask you if you have a bank credit card and do you want to do it together. We should get used to using credit cards.
It is easy to judge whether the person who sells the credit card is a bank employee. As long as you want to verify, it is easy to verify. The method is as follows:
1. Check the badge.
Everyone who joins the company must wear a badge. Without a work permit, it is difficult to gain the trust of customers to handle business. Moreover, the bank also requires the customer's ID card and other accessories to take photos under three pressures. Three-pressure refers to stacking the staff badge, customer application form, customer ID card and accessories at the same time to make an effect diagram. The purpose is to prevent the intermediate P-picture from being faked. Therefore, badges are indispensable for credit card salesmen. Looking at badges can be the most intuitive way to identify authenticity.
2. customer service.
Some people will say, who can't do the work? Just make a fake badge. Sorry, badges can also be verified. The method is to call the bank customer service phone for manual verification. As long as you report the job number to the customer service, you can find out whether it is true or not immediately. With my years of work experience, some people really don't have enough to eat. I came to check for a long time, and my identity was verified clearly, but you didn't get a card. These people should look back. After all, it takes a lot of man-hours, and maybe some achievements have been made. You know, renting a booth costs a lot of money.
3. WeChat official account.
For example, Guangfa Credit Card can be directly connected with the human agent, and the authenticity can be verified online as long as the work number is reported. Even the names of marketers can be found out by diaosi house. Each work order number is unique and non-repeatable. So if you encounter this situation, you can use this method. After all, the consultation of WeChat official account is fast and free.
The above three methods are the best ways to know whether the staff are bank employees, so try them.
Another question is, why do they put many gifts on the cards?
In fact, credit card promotion is also a kind of sales work. In terms of sales, there must be routines and promotions. According to the fourth of the ten principles of economics: people will respond to incentives. Bank staff can promote sales or give people an incentive by giving gifts through cards, so as to achieve rapid growth in performance. If there is nothing to attract customers, it is difficult to achieve performance goals. It is worth mentioning that these gifts are bought by salesmen themselves for promotion, and the bank does not have this activity. So if you meet something you like, then you can support others to work.
Although it doesn't look very formal, the people who handle credit cards on the roadside are actually regular card handlers. Your information can be submitted directly to the bank for application, so you can handle it with confidence.
Is it credible to apply for a credit card on the street? Are you a liar?
Hello, credit cards on the street are generally reliable, but there must be scammers who deliberately get people's information, so it is best to go to a bank outlet to handle it.
Now all major banks have issued credit card products.
Take a credit card and go to the cashier's office:
1. Go to the bank counter!
This is the most traditional way to apply for a credit card. Applicants only need to bring relevant materials and go to a bank outlet to handle it. Go to the bank counter to apply, customer information is safer, and the risk of information leakage is very small; The information you submit is more comprehensive than the online application, and the amount of approval may be higher.
2. Bank official website/Mobile Banking Application
Online application is the most convenient and quick way. Bank official website will provide the entrance for online application, and fill in relevant information online by itself. After the information is uploaded to the credit card center, the bank will arrange a salesman to contact you.
Small partners who are entangled in where to apply for a credit card can choose to apply online, but they must ensure network security when applying to prevent personal information from being stolen by criminals.
Third, officially authorized third-party websites.
The Internet has promoted the development of the financial industry and given some private financial enterprises new vitality. Applicants can apply through the official website authorized by the bank to maintain a cooperative relationship with the bank. There is no charge for the whole journey. Click Apply Now, and you will automatically jump to the bank official website. The user's personal information is also submitted in the bank credit card center, so there is no risk of information leakage. These third-party organizations are also good choices.
Fourth, the salesman sells the card at home.
Friends who are usually busy at work and have less leisure time can ask the salesman to go to the door to apply for a credit card if they don't know where to go. In order to increase the sales of credit cards, the bank will have a group of specialized credit card business personnel, who are likely to go directly to your home and work unit for sales promotion. At this time, you can successfully fill in the application materials and submit the supporting documents under his guidance. This also saves you time to go to the bank for an interview.
There are many ways for you to choose where to get a credit card.
To apply for a credit card, you need to prepare the following materials:
1, work certificate and income certificate. You need to go to the bank to get this certificate application form, and then fill in some basic information yourself, and then give it to the work unit with official seal and then hand it over to the bank.
2. Social security payment certificate. Social security payment certificate is a good proof of job stability, and the success rate of applying for social security card will be improved.
3. Proof of deposit. If there is a bank deposit, the applicant can issue a deposit certificate in the bank and then apply for a credit card from the deposit bank, which will improve the success rate of card handling.
4. Vehicle driving license. If you apply for the owner's credit card, you also need to provide the vehicle driving license.
5. Real estate license. Now, if you want to apply for a large credit card, you can use the real estate license as proof of property.
6. Existing credit cards. If you have a credit card from another bank, as long as it has been used normally for more than 3 months, it can be used as an additional material for applying for a card.
What's with the credit card kid on the street?
Those who run the business are all assigned by the bank staff to do the card work, and will go to the street to pull people to do it. Some of them have small gifts to tempt you to do it. After completing the card, I will call to verify the information and suggestions. The credibility of this credit card is not high. If you need to apply for a credit card, you can go to the bank counter, which is safer and more secure.
The following information is expected to help you:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified. Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards. From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate). On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
This is the end of street card introduction. Street card delivery 100. I wonder if you have found the information you need?