Hello, it's difficult to sell cards, but it's easy to say. The main contradiction is that the high-quality customers that banks care about are mature people who are not so keen on credit cards, and the procedures for handling cards are very complicated for them. People who are keen on handling cards are younger. Generally speaking, the best place to sell credit cards is the company. If you pay close attention to a customer, you can successfully sell them in the circle around him. This kind of people have a relatively stable life and income, and are better customers. Of course, public affairs personnel are better, but public affairs personnel rarely deal with it collectively unless it is a relationship introduction. There are also some steps to help people reduce trouble. Such as various certificates. Learn some risk-free solutions.

Advantages:

1. You can enjoy an interest-free period of 25-56 days without deposit overdraft. You can repay the loan on time without paying any interest.

2. When shopping, swiping the card is not only safe, hygienic and convenient, but also points and gifts.

3. Cardholders can enjoy preferential treatment in special merchants of banks.

4. Accumulate personal credit, add a credit record to your credit file, and benefit for life.

Disadvantages:

1, blind consumption of credit cards is not like paying cash. You spend money one by one. I don't feel anything after brushing. A few figures lead to blind consumption and spending money like water. However, what to buy and what not to buy can be treated irrationally?

2. Excessive consumption of laptops, digital cameras and smart phones. While enjoying their favorite items in advance, I also have to consider whether my salary is just a drop in the bucket when I repay next month.

3. High interest rate If you can't take good care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks. You have only yourself to blame.

4/ Impact on personal credit records Long-term malicious breach of contract will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to get a loan from the bank to buy a house and a car in the future-but you won't manage your money without asking.

What is credit card marketing?

Credit card marketing vocabulary:

1, grasp the needs of users.

Before marketing, we should analyze the customer's personality, positioning and characteristics to see what kind of credit card is suitable for handling, so as to carry out targeted marketing and improve the success rate.

2, to highlight the characteristics of approachable.

When opening marketing, you can befriend customers first, for example, ask customers what their usual hobbies are. Where do you live? What's the matter at ordinary times? To further dispel customers' concerns. On this basis, then marketing.

3. Highlight the advantages of credit card products.

If the customer says "no need for the time being", they will continue to market from the perspectives of reducing the annual credit card fee, not swiping the card, and enjoying preferential activities, so as to seize the psychological needs of users and let customers take the initiative to accept credit card products.

4. Pay attention to foster strengths and avoid weaknesses.

When comparing with other bank products, we should pay attention to foster strengths and avoid weaknesses to improve the competitiveness of our own products.

Vocabulary for promoting credit cards

1.g: How many credit cards can I handle? The strongest word: the credit card limit is a comprehensive score, and the key lies in the information you provide and the records we have found, so the limit depends mainly on yourself. With your conditions, I think the limit should be higher.

2.g: Is there an annual fee? How to charge? The strongest speech skills: Yes, the gold card is 300, the ordinary card 100, and the supplementary card is free of annual fee for life. But you don't have to worry. I will give you the master card directly in the first year, and I will give it to you six times in the first year and the second year. You can brush 6 bottles of mineral water in the supermarket for 6 times.

1. 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.

2. Credit cards are generally plastic cards with special carriers, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, expiration date, number and cardholder's name are printed on the front, and chips, magnetic strips and signature strips are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 1950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.

What are the skills to promote credit cards?

At present, the competition in the credit card (debit card) market is fierce. When selling credit cards (debit cards), salespeople need to master certain tricks and skills in order to successfully sell credit cards (debit cards):

1. Running a credit card (debit card) has many advantages, which can avoid interest overdraft consumption and enjoy the rights and preferential activities attached to the credit card (debit card);

2. Apply for a credit card (debit card) according to your own conditions. The card approval rate is high, and the amount will not be low;

3. The frequency of swiping the card (debit card) can easily reduce the annual fee of the credit card (debit card), and there will be no consumption pressure;

4. Credit cards (debit cards) can also accumulate points, which have many benefits and can be exchanged for various gifts and rights;

Now there are all credit cards (debit cards), as well as new home gifts and consumption standards. The threshold is low, and basically all bid cards can be received.

This concludes the introduction of how to promote credit cards and how to promote credit cards. I wonder if you have found the information you need?