How about a credit card specialist

Question 1: What is the salary of a credit card specialist? The basic salary is very low, more than a thousand, and it mainly depends on commission. There are some powerful people who can make 20,000 to 30,000 yuan a month. Of course, there are also those who can't achieve results and only make 3,000 to 4,000 yuan a month.

Question 2: How is the job of a credit card specialist? Should I be a customer service specialist or a sales specialist? I am a customer service specialist. Generally speaking, for people who are talkative and have strong ability to withstand stress, working in customer service is good, except that it is tiring. It's better to be more stressed and have a flexible work and rest time. If you are a sales specialist, you are required to have strong sales ability. This is based on performance. The more you apply for cards, the higher your salary will be. If there are fewer card processing classes, the salary will be similar. There is less correspondence

Question 3: How is the job of credit card specialist good? Specially able to swindle money

Question 4: How are the credit card specialists at Bank of Communications? There is a basic salary. I worked there for a while, and the basic salary was about 1,400. Now it may be 1,600. Then determine how much commission each card is based on the number of cards you apply for. For example, if you apply for 30 cards in a month, card, then the commission for 30 cards may be 20 yuan per card. If you apply for 60 cards, it may be 40 yuan. The more cards, the higher the commission. Of course, I am just giving an example. The Bank of Communications will have a standard, how much How much does it cost to get a card? The good thing about staying in the store is that you don’t have to go anywhere, and you don’t have to beg customers. Customers come to you and ask for a card. As for the treatment, as long as you are diligent and earn a lot, we It is normal for a group to earn 7,000 to 8,000 yuan. Those who work in a store and have others help them earn more. Some earn 20,000 to 3,000 yuan a month.

Question 5: How was the job of a credit card specialist at the beginning? It's very hard work and generally requires a certain number of credit cards. After one year, the salary and benefits will be absolutely OK. It depends on which bank you work for. The one offered by Bank of Communications is pretty good and the business is easy to do.

Hope to adopt it! ! !

Question 6: How is the credit card sales job? Sales are all of the same nature. No matter what type it is, what matters is your performance. You will never be able to turn over if you rely on the basic salary. Sales jobs are difficult and risky. The challenges are great, and of course the profit margins are also great. It’s worth giving it a try, and you’ll be rewarded if you work hard!

Question 7: How about the position of Bank of Communications Credit Card Specialist, who is responsible for applying for cards.

In general, if you don’t have customers, you have no future.

It’s better to work for insurance. The insurance is still being renewed.

It doesn’t matter if you pay a dime after applying for a credit card. The key is that there is no room for improvement

Question 8: Is it easy to be a credit card salesperson? Credit card business means going to the company every morning to report performance, and then looking for people to apply for credit cards outside all day long , find friends, relatives, classmates, companies in office buildings, companies or factories with a large number of people to apply for credit cards. There are two problems here: first, the market for credit card business in urban Shantou has long been saturated; second, this business does not last long, and basically recruiting you is for your interpersonal relationships, and all the acquaintances around you are involved It's over, all the relationships have been used up, and it's basically time to come out.

From the name, the credit card business representative of a certain bank sounds nice, but in reality it is very bitter. Some of the bitterness is something that no one can understand. Here I will summarize a few bitternesses, but after these bitternesses Exercise can also quickly improve oneself

As far as banks are concerned, credit card clerks are actually a tool for issuing cards. Banks will not provide any relevant training teams. What I have seen are generally recruitment After the salesman comes, he briefly introduces the credit card situation and sales methods and then goes directly to work. Basically half a day is enough. It is difficult for a salesman like this to go out to work, which leads to a high turnover of salesmen

It seems that the management is strict, but in fact, for the sake of risk, the morning and evening meetings of credit card salesmen are actually about publishing and collecting statements. Such meetings are very different from those of insurance salesmen, and there is no psychological guidance or business guidance.

Income is linked to performance. Even a talented salesperson will not have good performance in the short term without good training and coaching. So what is the bank’s intention? It’s very simple. Recruitment comes All salesmen will have a certain network of relationships or relatives. Let the salesmen kill the people around them. After killing the people around them, those who can start business and have certain performance can stay, and more will be eliminated.

If a credit card salesperson adopts Mobai's working mode, the easiest way is to sweep the floor. Then sweeping the floor will inevitably lead to entering the office building. If you start from the first floor and climb up the stairs, you will be caught accidentally. It was scary and not easy to be caught by the security guard

This door is the front desk of a certain company. If you want to find someone to fill out a form, you have to convince the front desk to get in. The success rate of getting in is not high. .

Even if you get in, there will be a few people missing in a company, and there will be hundreds of people. Who is the person who wants to apply for a card? It will be a confusion. If gifts are used as temptations, it will cause confusion within the company. If there is a commotion, then if their boss finds out, they will definitely be kicked out. Difficult

The cost of sweeping a building may not seem high. In fact, if you do the math, not to mention time and transportation costs, the form-filling gift alone costs nearly 10 yuan. Sweeping the building is a superimposed cost. , the greater the amount of forms filled out on the day, the lower the cost, even the minimum is 10 yuan.

If you set up a stall, the daily rent of a cafeteria on the second floor will be several hundred more. Just imagine how many people you can serve to fill out forms at noon. If you fill out the forms well, the maximum rent for one noon will be 30. Assuming the rent is 200 yuan, then your cost per meter is 7 yuan in rent and 10 yuan in gifts. You must know that this is a meter and not a card. If you include the 20% of non-approvable cards, then your cost is nearly 20 yuan per card. I just made a rough calculation. It is indeed very difficult to be a credit card salesperson.

But recently I discovered a new way to obtain customer information. These customers really want to apply for a card, and the success rate of applying for a card after making an appointment over the phone is very high, nearly 70%. The information can be used to apply for a card in one belt and three places. I will not give you a gift for filling in the form. Currently, the cost of developing a customer can be reduced to 3 yuan.

Question 9: Is there a future for credit card sales? Is there a future for credit card sales? Is there a future for credit card sales? As a marketer who has been engaged in credit card marketing at China Guangfa Bank for more than a year, I have always believed that in marketing products, we must have: sensitive response ability, knowing how to guess the psychological changes of customers, and understanding and understanding of the product. Interpretation, language expression skills, good psychological quality. After a year and a half of hard work and struggle, during this more than a year of marketing work, there were joys and sorrows, laughter and tears, successes and failures. However, in a short period of time, I deeply realized that no matter what I do, I must have confidence in myself. In addition to having enough confidence and experience in yourself to engage in the marketing industry, what is more important is your own mentality. I am a marketer who has just been promoted to team leader. I feel very honored to have just been promoted, but invisible pressure is also coming towards me, but appropriate pressure can give me motivation, and here I am also I would like to share it with you. I believe that many colleagues working in the company also have unique insights. Learn from others and use them, only in this way can you open up a world for yourself! Let’s talk about my experience in credit card sales. Credit card marketing is a technical job. For banks, credit card sales require good plans. For a salesperson, credit card sales skills are the key to successful sales. Jintou Credit Card brings you more knowledge about credit card marketing cases. . Lesson 1: Have confidence in yourself. When I first started working in marketing, I was hesitant to come in when I wanted to visit customers. I finally worked up the courage to go in, but I was so nervous that I didn’t know what to say. As soon as I started to introduce the product, the customer said nothing. Visit after visit failed, and I began to make excuses for myself and complain. But I never realized that while making excuses for myself, I had become quite negative.

Negative emotions had a great impact on my work. Later, my boss learned about this and had a lot of chats with me. He told me: A qualified marketer must first have full self-confidence. Only when he is confident in himself can he succeed. Only by eliminating the fear of facing customers can you give yourself a clear idea and introduce your products to customers through fluent language. These words are deeply engraved in my mind. Whenever I feel down, I will secretly encourage myself. I firmly believe that as long as I have confidence in myself and the product, I am already half successful. Lesson 2: Set a goal to the best of your ability for yourself at different times. Everyone must arrange every day's work reasonably and have a plan and purpose. In order to avoid a blind positivity, it can also be said to be a There is no directionality. In this case, it is often half the result with half the effort, and the gain is not worth the loss. As the leader of a new marketing team, in addition to myself, I also have to lead the team members. Since I lead a small team, I must have a detailed work plan, reasonable time arrangements, adequate deployment of personnel, good team spirit, etc. wait. Set a goal within your reach for yourself and your team members! Lesson 3: To gain the trust of customers instantly. When marketing products, we need to make friends with customers so that they have a good impression and trust of us. What you say when you first meet with a client is very important, and a good opening is often half the battle. Of course, instantly gaining customer favor and trust is not only reflected in the first meeting. During the conversation, the customer may be indifferent to the marketer for a long time, but changes in some details may win the customer's heart. Lesson 4: Learn new knowledge from marketing failures

How about the job of issuing credit cards in a bank? I'm a girl.

The job of applying for credit cards in a bank is quite difficult.

1. The bank’s credit card center mainly has several major positions:

Management positions; development positions are the most common positions in the bank’s credit card center, as are channel development positions. Category 1: Personnel and finance positions, responsible for human resources and finance, but many bank credit card centers are not self-service finance, so they are not necessarily equipped; technical positions, development of new financial products, development of mobile products, network maintenance There are many technical positions in , technical services, etc. In addition to the above positions, the bank's credit card center also has many other positions.

2. The job of the bank’s credit card center is to do business

To put it simply, it is to allow customers to apply for credit cards of their bank. All bank credit card centers handle credit card business. The credit card center is a huge department unit, usually a secondary department of a bank, including risk control, customer service, gifts, co-branded activities, etc.

All functions of the credit card need to be managed by the Credit Card Center. For example, card approval, credit rating, consumption account records, risk control, credit card promotions, card points management, etc. These are core functions and are generally formal employees of the banking system. Telephone customer service is generally outsourced.

3. The meaning of credit card

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

The credit card center is relatively independent in management, similar to a branch, but under the management of the head office. However, the difference between a bank credit card center and a bank lies in management issues. Credit cards are generally run by third-party institutions, with only a few people from the bank handling the business. The bank is internal, but the people it recruits now are basically contract workers dispatched by third-party labor departments.

How about doing credit card sales?

I have been doing credit card sales for a period of time. First of all, as a job, this job is indeed achievable because of his salary. The level is indeed very high, because our team’s top income can basically earn about 30,000 yuan a month. I am not very good at working in the team, but I can guarantee that I can reach 15,600 yuan a month. In ordinary people, Among first-tier cities, this level of income is still very high, but one thing is that it is quite difficult.

Personal advice.

This is a very physically demanding job, because I basically run from morning to night every day. And if you have relatively little social experience, you will actually suffer a lot from doing this job, mainly because this job requires you to often deal with strangers, which is the so-called strangers. You need to be able to chat with the other person in just a few minutes and sell your product to him at the same time. In fact, most people are very disgusted with credit card applications, but as long as your conversational skills can reach a certain level, at the same time There is also a certain degree of affinity, so the speed of applying for a card is still very fast.

Don’t be afraid of hardship.

When I first started doing this job, it was mainly because I had no money, so I wanted to find a high salary, but I didn’t have any skills, so I chose to become a credit card salesperson. At that time, I had to sweep the building every day. The so-called sweeping of the building meant running from bottom to top and visiting every company in the entire building. At the beginning, I couldn't even place a single order in one building, but slowly my communication skills gradually improved, and I could see the person's character in a short time, and then start a conversation with him. As the trading volume gradually increased, I also discovered that this job is actually a lot of fun. The biggest part is that I can get to know people from all walks of life. Therefore, in any industry, as long as you practice hard, you can achieve something. It depends on how you view the job.

How is the Credit Card Department of China Merchants Bank?

The jobs in the Credit Card Department of China Merchants Bank are relatively good, and usually the promotion mechanism is relatively complete. The details are as follows:

1. Teller in the Credit Card Department of China Merchants Bank:

(1) Work intensively in the accounting line, set a business benchmark, be promoted to teller manager, and then compete to be hired as accountant of the branch Supervisor, and then competing for the position of deputy president of a branch, it usually takes 5 to 8 years to get here. If you go higher up, you can climb to the accounting department of a provincial branch and become a small leader, then compete for the position of general manager of the accounting department, and then move to the head office.

(2) Transfer to an account manager position and follow the marketing line. Generally, you need to have a strong sense of marketing when doing cabinet work, and transfers generally require you to take a written test and interview.

2. Account Manager of Credit Card Department of China Merchants Bank:

(1) Always working as an account manager: Account Manager Assistant → Account Manager → Senior Account Manager Assistant → Senior Account Manager → Private Banking Consultant , it takes more than 5 years. As the level continues to rise, salary income also continues to increase, and the customers managed become more and more high-end. Mainly relying on professional knowledge to promote performance growth to increase income, but I have been working in the branch, receiving Management of branch heads.

(2) Competition for the position of branch president. The president of a branch usually needs to be replaced every three years, and every year there are always presidents who are dismissed due to poor performance, so if you like to be a leader, you can usually participate in the annual branch president election after having 3 years of work experience. Competition for recruitment. Being a branch manager is very stressful. You are burdened with more than 50 indicators every year. If you don't do well, you will get a red card and be dismissed directly.

(3) Develop to relevant departments of provincial branches. For example, the private account manager goes to the private finance department, the corporate account manager goes to the corporate business department, and the retail loan account manager goes to the credit department, and then becomes a leader in these departments.

Extended information:

Notes on the work of China Merchants Bank’s Credit Card Department:

1. Banking skills training:

Introduction to the bank’s Business scope, main products, market positioning, target customers, competitive environment, etc., to enhance the market awareness of new employees; at the same time, the teller position will mainly learn theoretical knowledge such as basic financial knowledge, accounting operating standards, counter teller business, and master banknote counting and cashiering. Practical skills such as subpoenas and digital entry;

The account manager position mainly learns the bank’s specific business types, customer marketing skills, business system operating procedures, etc.; skills competitions and assessments are generally organized during the business training process. And finally make an assessment and evaluation of each new employee, so students should take it seriously and perform actively, so that they can quickly adapt to the work environment after taking up the job and win the recognition of the leadership.

2. Banking professional image training:

Banks are a typical service industry, so they attach great importance to professional image. During the training period, banks will hire professional etiquette teachers to provide students with Explain etiquette knowledge, including polite language, standing, sitting, walking training, appearance and appearance, etc., to help everyone better transform their professional image and become a qualified banker.

Is it easy to be a credit card clerk?

Credit card clerks are relatively easy to do.

No job is easy or hard to do. Credit card issuance specialists are actually responsible for approving credit cards. There is not a lot of pressure after get off work. You just need to follow the regular process to score and issue cards. It is an internal office position and there is no pressure. If it is When it comes to sales, there is pressure, because there is no income without opening orders. It's hard to say about promotion space and development. It depends on your own interests and hobbies.

Generally speaking, the commission for applying for an ordinary credit card ranges from 80 to 100 yuan, while the commission for applying for a gold card credit card is about 150 yuan. If you can handle about 100 tickets a month, your income will probably be more than 10,000 yuan. A skilled salesperson may also earn a monthly salary of more than 20,000 yuan. But it takes a lot of diligence to get it.

The bank will have monthly targets. If you reach the target, you will receive a bonus. If you fail to achieve the target, you will be deducted. Some salesmen would receive very little salary because they were unable to complete tasks every month, and eventually quit their jobs. The pressure was still very high.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to credit cards issued by commercial banks or other financial institutions. An electronic payment card with full or partial functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Is it easy to sell credit cards?

It depends on whether the credit card sales you do belong to a third-party company or to employees within the bank.

If you are an employee within the formal establishment of a bank, it is a very stable job with very high social recognition and stable income. However, the working hours are fixed and the degree of freedom is not high. If it is compiled by a third party, it is relatively less stable. But the income situation may be better, because the outsourced credit card calculates commission based on the number of sales you make, so the more you do, the higher your income will be.

What are the credit card sales tactics? Here are three common ones:

1. Low-level tricks: give small gifts when you apply for a card; this is the most common trick, and both novices and experts will use it. This trick will be used by people who set up stalls on the street to apply for cards, door-to-door salesmen to apply for cards, and people who recommend applying for cards by relatives and friends. The China Merchants Bank credit card I first applied for was subject to this trick. Of course, I was willing to do so. I needed it in the first place.

Someone happened to trick me, so I asked her to deliver the goods to my door. In addition to solving all the problems, she also gave me a small gift. I remember it was a pretty mobile phone chain. However, if they don’t like doing it, most people will not be willing to do this kind of routine. Unless it is a favor, then it is not a matter of routine. Of course, this is especially applicable to aunties. Most of the aunties who like to take advantage of it will still handle it. Coupled with the salesman's tongue-in-cheekness, most people fall into the trap.

2. Intermediate routine: bundled sales; do you want to handle banking services? Yes, the premise is that you must apply for a credit card from our bank. This binding method is very powerful, making many people unable to parry, and they unconsciously get an extra card. For example, the Rural Credit Cooperative credit card I just applied for is because the bank’s etc. services require you to apply for a credit card in order to enjoy it. In fact, it is also possible if you bundle it with a debit card. Because the etc. machine comes free of charge, many people can't help but ignore the strength of banks. Credit cards can be used anyway, so just forget it. Right.

3. Advanced routines: Get discounts when applying for a card; the highest-level routine is a win-win situation, and its characteristic is that the final decision is made by you. But most of them will not escape his grasp. For example, when we bought a car before, the car dealer had business relationships with the bank. If we applied for a bank credit card and kept using it for a period of time, we would be able to enjoy a discount on car purchases. After all, it's about a thousand dollars. Of course it's up to you whether you do it or not. But who would escape such a discount?

That’s all for the introduction to credit card work.