I worked as a credit card marketer in Changsha for three years from the end of 2012 to 2015. I have been engaged in the financial loan industry since then, and I still have a certain understanding of this industry. Let’s talk briefly now

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Ninety-nine percent of credit card marketers are outside the bank, that is, they sign a third-party labor contract. They actually have no direct labor relationship with the bank. The bank just gives you the right to issue credit cards and lets you go. Office buildings, market to find customer groups suitable for card issuance to complete the card issuance task! Most people will give up if they can't persist for half a year, because there are tasks every day, and the director will track in real time every day, at what point in time, how many households have been completed, and if they have not been completed, they will give feedback on the specific situation. Many people will give up if they cannot withstand this kind of pressure. . Moreover, the salary given by the bank is divided into salary, commission on the number of cards issued, and activation commission. Many times if the card is issued successfully, the customer does not activate the card within the specified time, and you do not get the commission on this card! With the current vigorous promotion of banks’ own online self-service card applications, as well as many official accounts and apps for self-service card issuance, it is becoming more and more difficult to apply for a card!

Of course, some salesmen who have survived that painful period may have a better life. Many salesmen work part-time to promote credit card machines while issuing cards. Although banks severely crack down on this behavior, It is a tacit understanding among credit card promoters that when issuing a card, customers are required to activate one or two POS machines they promote. Not only will activating one machine give you a cashback of about 50 to 100, but the customers' card swiping in the future can also be divided into points. A cup of considerable profit-sharing income, which everyone calls after-sleep income!

While running the card, there are many people cooperating with the loan salesperson at the same time. Customers who need funds will refer them to their loan friends, and they can get corresponding rebates or even charge additional loan fees to the customers!

In short, a credit card promoter is simply a salesperson who runs the market. If you only do credit card promotion business, it is estimated that this business will be very tiring. If you just use this credit card promotion as a platform to develop other businesses, you can achieve twice the result with half the effort!

Running a credit card is a very hard job. This job not only requires a lot of physical strength, but also requires a lot of psychological pressure. If you can persist in running a credit card for a year, then your heart will be Become very powerful.

Many people think that the financial industry is a very decent job. In fact, those who have really been engaged in the financial industry know that the financial industry is not what everyone thinks. As decent as you imagine, financial work will face many difficulties and hardships. Applying for a credit card is a very difficult job.

In order to develop credit card customers, credit card marketers go around sweeping buildings and setting up street vendors. Applying for a credit card requires a lot of energy and time. They go to different places every day for marketing, and sometimes they have to apply for credit cards at night. Basically, I spend all my time on credit card marketing, which is a job that takes a lot of time. At the same time, you will also be under a lot of pressure. When you go to sweep the building every day, you will face a lot of blank looks and scoldings. Credit card marketers will be under a lot of pressure.

As a credit card marketer, you will be hit hard every day, but after going through this job, your heart will change. Be stronger and able to do more work.

Hello, like all sales industries, running a credit card business relies on two words: "diligence". You have to run outside when others are eating, and you have to run outside when others are resting. I am not a credit card dealer, but I am also a salesperson. I can speak from my own experience. The company opens at 9 o'clock in the morning. After punching in the card, it takes half an hour for the meeting. After the opening, I carry my bag or sweep the street. Sweeping the street is like a family. Worship the past stores, and don’t scan them aimlessly. First think about where you want to go today, or which office building. The same is true for office buildings. Take the elevator to the top floor, and scan the companies one by one. It's common for bad people to roll their eyes, but that's okay.

The most painful thing is the dog days of summer, when you go out for ten minutes and sweat for two hours, and the sun is so strong that you can't breathe. The financial industry also has to do business everywhere, inserting cards, handing out flyers, and posting small advertisements. If you go to a farther place and go out in the morning, you may not get home until late at night. If you are alone and it is too late at night, you may have your ID card checked by the police. If you happen to be in a city inspection at that time, you may be caught by the city management. I have encountered all of these.

In short, no matter it is finance or any other industry, as long as you are in sales, you should not think about holidays, let alone work from 9 to 5. You must be mentally prepared at all times. It's hard work, but it's also very challenging.

If someone says that doing sales is easy, just think it’s nonsense because you didn’t go all out to do it.

To think of running a credit card business as a financial industry is a bit far-fetched to be honest.

General bank employees will be required to complete a certain amount of credit card processing tasks, but the kind of credit card business that sweeps the streets is often not a formal bank employee.

This kind of credit card business is actually not much different from selling goods. It is nothing more than setting up a stall on the street and selling credit cards. Relatively speaking, credit cards are easier to sell, because as long as their qualifications allow, most people will apply for a credit card. Some people who are not qualified but need money will find various ways to apply for credit cards. Especially for those business owners who need cash flow, credit cards are easier to use, so selling credit cards is much easier than selling ordinary goods.

But in essence, setting up a stall on the street to sell credit cards is still the lowest level in the financial system.

Hello friends, I am Xiao Hu, let me answer.

In the financial industry, the profits from running credit cards are very considerable. [Proud] I made a video about the income of card members before. Because I have run credit cards for a long time before.

Let’s talk about the income situation.

Most of the card clerks in various banks receive basic salary plus performance. In other words, how much does it cost to apply for a card? If you apply for a certain amount, you will get a better commission. The commission is 50-300/piece, which is awesome. The income from doing two, three or four tickets a day is very considerable.

The pros and cons currently appearing on the market.

But now there are many channels to apply for cards online, and the commissions given are no less than those of card clerks, so many external card clerks have sprung up and come to the market after making a business card.

Often many salespeople are not professional enough. For example, the information filled in is inappropriate. Or the exaggeration is illogical. This will cause trouble to customers, provide inadequate service, and lead to resistance. These are all visible to Bibi.

How to maximize income and benefits as a card clerk?

The average salesperson will only make cards. Or several bank salesmen connect with each other and introduce customers

Usually, they also forward more information. A customer may have needs in many aspects. This improves your own image. Put Money in your pocket again. [Flash of inspiration]

This is my answer, thank you, I hope it can help you.

"Miss mentality" means service first. When guests come, serve them well and don’t choose their attitude or posture. The "widow treatment" means that no one loves you, no one loves you, and there is no one above you. "Women's Federation pursuit" means actively demanding progress, bravely serving as the March 8th red flag bearer, and doing business. To sum up, with a service-oriented and attentive attitude, but no one loves or loves you, you can never give up, pursue progress, and achieve your goals.

Sharing experience from working in the credit card industry for one and a half years:

First of all, I lamented that I was so focused on making money that I ran away at the risk of my life. Now that I think about it, I was quite motivated back then!

I have used the moves of Mobai, sweeping streets, sweeping buildings, forklifts, setting up stalls to deliver gifts, etc. thousands of times, and the effect is still quite good.

Let’s talk about the joy and frustration:

Mobai: I didn’t dare to speak. I was very embarrassed at first, but it will be fine once I get used to it. There really are all kinds of people. The biggest motivation is to face the beautiful young lady and chat with me without applying for a card. It makes me happy all day long.

Forklift: Small advertisement, hand out business card, add WeChat, run around the city in one day, you can see yourself in every corner, and there are more peers! Sometimes walking together can soothe your lonely heart!

House sweeping: the most accurate customer group, and also the most difficult customer to get. There are access control at the door, and some doors are directly posted with sales signs to prevent entry. You can enter with your eyes closed. If you do well, you will be I've gotten angry, and I've also encountered people who cursed me. These heartaches are so difficult to deal with. There are also misfortunes. If the real estate agent is caught and fined 500 yuan, the whole thing will be over in one day.

Setting up a stall to send gifts: This can be said to be the most comfortable one. The problem is the stall fees and gift fees. These are all paid for by yourself. If you have income, you have to pay, but you don’t have to worry about it. It’s raining, but there’s a downside: no cards are opened, and no money is made!

I will shed tears if I talk too much, but life must go on. This is not the time to write articles on the Internet!

Come on, young man, work together with friends like me to achieve a small goal, such as earning 100 million!

If I simply talk about what it feels like to run a credit card, I don’t think it is much different from other sales industries. Credit cards are also a product, but this product is linked to a bank, which makes it even more exciting. Be more convinced!

However, it is not easy to sell credit cards. You have to go to customers every day and sell them one by one. For those who don’t understand credit cards, it will be confusing. Treat you like someone selling insurance and reject you directly! If he has never used a credit card, he doesn’t understand the value of it, and it’s useless to try to sell him, because in his mind he thinks I have money, so why should I apply for a credit card? I believe many salesmen will encounter this situation!

Of course, for some people who like to use credit cards and know how to use credit cards, it is easier for the salesperson to sell them. People like me who have several credit cards are very good at running credit card business. If they need it, sometimes they will introduce many friends to apply for credit cards. They like customers like me and will not refuse anyone who comes!

But in general, running a credit card is also a very hard job. In the process, just like other sales, you will encounter various customers. Sales are very hard! But no matter which line of work you do, if you persist, you will find talents!

Hello, I am very happy to answer your question. I am currently working as a marketer in the credit card department.

The employees in the card department are all staffed by third-party labor dispatch companies. They are covered by social security and are required to pay housing provident fund five months after joining. In July of the second year, the housing provident fund payment base is adjusted based on the average salary of the previous year. Those with a bachelor's degree who have completed two years of work and are in the top 40 positions can be transferred to the card center for staffing.

The salary structure is basic salary plus commission plus performance. Generally, the basic salary is about 2,000 yuan when you first join the company. Later, you will be rated on a quarterly basis based on performance. The highest basic salary can be 3,000 yuan plus a behavioral bonus of 2,000 yuan. Behavioral awards are assessed based on performance and key card products. Commissions are mainly divided into activation commissions and activity commissions. The commission standards are different for different amounts of activation. If you activate less than 28 cards in Urumqi Guangfa Card Department, commission wages will not be calculated and deductions will be made. If the bottom bid task is not completed, each card with more than 24 active cards will cost 30 yuan.

The current methods of business exhibitions mainly include door-to-door visits, card issuance at scene sites, and group meetings with units. After punching in the card every morning, you carry your bag and go to office buildings, markets, door-to-door visits, or go to cooperative shopping malls. Click to apply for a card to receive shopping vouchers.

The card clerk’s salary can be between 10,000 and 30,000 a month if you work very hard, 7-8,000 a month on a normal basis, and a basic salary of 2,000-3,000 if you don’t work particularly hard. You don't have a high degree of education or any skills. If you happen to have a college degree and your credit is no problem, you can do it, but it is also quite hard to go out to visit every day. When you first come home, your legs are sore. Now you are used to it. If you want to make money doing this job, you have to rely on your brains or your legs.

This job is suitable for making quick money in the short term if you work very hard. After all, you make money by physical strength and speaking skills. If you can't transfer to another job later, you will reach a bottleneck period and it depends on how you adjust.

Hello everyone, I am Apan. I have been engaged in the financial industry for 5 years. I also ran the credit card business before. What do you think of this market?

1. The potential is huge and needs to be explored in depth. With the continuous development, everyone basically has about 3 credit cards, especially in big cities, because workers in big cities have more credit cards. , all have social security, five insurances and one fund, and the quota is very good.

2. The credit card market is now very saturated. For customers, credit cards mean overdrafting tomorrow’s money in advance, talking first, and consuming first.

3. Nowadays, the chance of making money in the credit card market is still very high. It depends on how you promote it. It is very hard and tiring to go to Mobai door-to-door as a local promoter. You may not be able to make money in a day. Just open one or two cards. Nowadays, people are more likely to set up stalls in supermarkets or large squares, and wait and see. There is a large flow of people, many people, and many customers, so the probability of being able to apply for a card is high, and now they are all approved in seconds.

4. Credit card sales are also pure offline sales. To resist the pressure, specifically open your mouth, step out, ask more questions, and choose the right method first, so that you can get twice the result with half the effort.

5. This industry is definitely profitable, so work hard!

Speaking of this! I have to say that it is quite tiring. I started working on my card last year. In order to complete the tasks for a month and earn more money, I have to leave early and come back late every day. No matter what difficulties you encounter, you have to persevere. You should understand that there is no such thing as a career. It’s very easy, and there’s nothing you can do without perseverance that will produce good results! Running cards is a very tiring thing, but relative diligence will also bring you very good benefits