How to sell Bank of Communications credit cards online
How to sell Bank of Communications credit cards online is as follows: 1. Choose a good channel for promotion.
For example, the credit card department of the Head Office can cooperate with e-commerce, and JD.COM or Taobao can jointly issue cards; Employees can choose WeChat or Tik Tok, etc. WeChat should be our most familiar promotion platform, and WeChat friends, WeChat group and WeChat circle of friends can be said to be the three basic directions of personal promotion. The card management department can apply to register a WeChat WeChat official account, build a WeChat official account focusing on the theme of credit card application by itself, or advertise in some WeChat official account that meet the needs of credit card applicants.
second, promote marketing through some special reward channels and push channels.
There are many special credit card promotion websites and communities on the Internet, and it costs about 8 to 12 yuan to promote a credit card. Push channels such as airline co-branded cards are promoted at the airport, and supermarket co-branded cards are promoted in supermarkets, and marketing is carried out in combination with specific scenes and activities. If you want to operate at a low cost, you can also print color publicity pages directly, and then sweep the streets and send them to your potential users one by one.
what are the good channels to promote credit cards?
1. Know your customers
Credit card customers are basically people aged between 25 and 55
Newly graduated college students (short of money)
Bosses who have a certain career (hoping to get cash flow)
White-collar workers who raise cards (hoping to increase their credit limit)
People who are engaged in credit card-related businesses themselves
Determine the needs of customer groups before proceeding. Online promotion
1. WeChat circle of friends
The key to WeChat promotion is to send a circle of friends
You can't see the effect in a short time
You must insist on sending it every day
Even if no one buys it
Because many people are paying attention to your circle of friends
The key content of the circle of friends is to send screenshots of income
Because many people are interested in money
. P > People who have been following your circle of friends for a long time have started to register
After you have the first and second agents from , you can add them to the WeChat self-built exchange group, which can not only facilitate communication, but also serve as a promotion guide. After all, the power of a single person is limited. Drive all agents to help you promote. Agents make money, you make money, and everyone makes money.
Note:
Don't use illegal words in your circle of friends, or you will be blocked.
Don't send friends to various project groups too often.
You can also build a business group to promote it.
Pull all your friends into the group to explain
Pull registered friends into the membership group.
Applicable people: everyone
Advantages: Many people use WeChat.
what are the professional promotion methods for credit card business?
1. Branch network
By encouraging branch employees and adopting cross-marketing, it is beneficial to quickly form a batch of high-quality large-scale cards with low risk coefficient, which is the main strategy adopted by card-issuing banks in the initial stage of promotion.
2. Professional direct sales promotion
Professional direct sales promotion can be divided into two forms: in-house promotion and outsourcing. The outsourcing direct selling strategy is generally suitable for branch outlets and card-issuing banks with a small number of employees.
bank direct selling is a popular promotion strategy adopted by various card-issuing banks at present. By establishing a set of strict and meticulous salary assessment system, training and counseling system and team management system, it constantly stimulates the subjective initiative of business personnel, calibrates the promotion direction and standardizes the operation process to achieve the professional, stable and efficient promotion of production capacity.
3. Online marketing of "mouse+cement"
According to the 17th survey of CNNIC, the number of netizens in China exceeded 12 million at the end of 25, more than 53% of them tried or were willing to spend money online, and more than 6% of them earned RMB 2,5 or more per month. The potential target customers of credit card online marketing channel are huge.
4. Thinking about channel combination strategy
First of all, to promote credit cards through the business marketing system of corporate banking and retail banking of branches, we should pay attention to studying the business characteristics of public and private account managers and the characteristics of reaching a higher level of customers, take cross-marketing and project marketing as the main line, and actively guide them to promote high-end credit card products such as business cards, platinum cards and gold cards, with quality first.
Secondly, on the whole, the direct sales channels are mostly low-end target customers, and they are the most dependent and sensitive to credit guidance, market promotion and market policies because they use a large number of promotion modes such as "display and publicity" and "unfamiliar visits". At the same time, due to its relatively professional promotion skills, it should focus on promoting theme cards and co-branded cards with strong differences in card-issuing banks' products, with quantity first.
finally, because there is a significant difference in cost structure and level between online marketing and offline promotion, with the increase of online marketing share, how to give full play to the financial cost advantage of online marketing and protect offline promotion channels from impact is a subject that needs to be studied in online marketing strategy.
Compared with the direct marketing mode, online marketing credit cards have the following advantages:
(1) Breaking the time and space restrictions of marketing propaganda, and significantly improving the marketing radiation and penetration of card-issuing banks.
(2) save and optimize marketing costs.
(3) By standardizing the service image and propaganda caliber online, we can solve the problems of false propaganda and false promises that have long plagued the promotion of professional direct selling, improve customer satisfaction and help to enhance the brand of banks.
(4) Compared with offline direct sales promotion, online application for credit card has the best standardization in filling customer information, which ensures the completeness of information provided by the applicant to the greatest extent, and is more conducive to the efficiency and judgment of background credit investigation. At the same time, the privacy of personal information provided by customers applying for credit cards and the cases of misappropriation will be effectively controlled and solved.
(5) Online marketing can effectively reduce the occurrence of cases of "fake impersonation of promoters" in direct selling business, and give full play to the advantages of IT technology, which will provide substantial help for card-issuing banks to detect and discover the promotion risk cases more comprehensively and timely, and master the means of risk application such as "black intermediary".
How to promote credit card online
Online promotion is marketing, and if you do marketing well, you can do it well.
Although credit cards have gradually entered our life stage, the number of new users is actually not higher than that of the previous two years. In recent years, the popularity of credit cards in banks is unprecedented, and card holders are everywhere. Therefore, in order to grasp the online promotion of credit card promotion, the most important thing is to know who can't apply for cards through card holders and who have no time or contact with card holders to apply for them, and to find communication channels for such people.
First of all, several platforms I know are now platforms for online promotion of credit cards. Basically, they are all pyramid schemes and agency systems. The commission of a single card is fixed, but the commission divided from one level to another may only get 6% of the original commission when you get to the mobile phone of a card salesman. However, if you are at the highest level, the number of development agents will become the odd number of your income, and many people will try to recruit agents, and the team will gradually expand. This is the application of credit card marketing in the traditional pyramid scheme.
what are the channels and methods of credit card promotion?
in a broad sense, the promotion of credit cards can be divided into offline promotion and online promotion. However, with the rapid development of the Internet, online promotion can produce the effect of one point input and ten points output, and similar to this product, the effect of soft text marketing promotion should be the best.
CreditCard is a non-cash transaction payment method, which is a micro-credit payment provided by banks to users after consumption.
Credit cards are divided into credit cards and quasi-credit cards, which can provide settlement services, facilitate shopping and consumption, and enhance the sense of security; Simplify collection procedures and save social labor; Promote commodity sales,++social demand and other characteristics. Credit card is a special card issued by banks or other financial institutions to those with good credit standing, which is used for shopping and spending in designated businesses or depositing and withdrawing cash in designated banking institutions. It is a special credit certificate.
how to develop credit card business
1. Credit card is an important part of the bank card industry. Developing credit card can promote personal consumption credit, use the bank's money to meet personal consumption needs in advance, and drive the growth of personal financial business of banks. At the same time, it is conducive to facilitating people's lives, expanding social consumption, and promoting social informationization and national economic development. Compared with western developed countries, due to the differences in consumption habits, credit system and understanding, the development of China's credit cards has been hindered to some extent, which is manifested in the small scale of card holding, low utilization rate of credit cards, especially the rare goodwill overdraft. How to develop credit card business is a subject that the banking industry needs to study.
2. Cultivate the awareness of active marketing
3. Front-line staff of counter marketing banks face a large number of customers who handle business at the counter every day, and major commercial banks offer preferential treatment for different types of credit cards every year to reduce the first-year annual fee or other kinds of promotional activities, which provide a great marketing space for counter personnel. Tellers should be familiar with the relevant certification documents provided by the card, the problems that should be paid attention to when using various credit cards and the knowledge of how to use them, highlight the marketing products with profitability, convenience and emphasis, and attract customers to handle them. Every grass-roots outlet of a door-to-door marketing bank should investigate the enterprises and shops in its jurisdiction, grasp the first-hand information, find out the information about the number and location of enterprises and shops, and whether to open an account in our bank. On this basis, take the initiative to conduct door-to-door marketing. Enterprise groups have a higher success rate in handling cards than social scattered letters, and they can get a more comprehensive understanding of personal information and have a higher degree of credit. Differential marketing focuses on VIP, fund quality customers and other excellent customers of the bank, with special personnel in charge of management. While providing these customers with personal financial management such as economic and financial information and investment consulting, they also actively carry out credit card marketing to provide them with convenience for consumption and form a real "package" service system.
4. Problems in marketing
5. The establishment of personal credit system is the premise of the development of credit card industry. Because of the lack of this aspect, banks have to write off a large number of credit card bad debts in recent years. Due to the lack of a complete credit system, in order to reduce risks, the issuing bank must spend a lot of money to investigate personal information, and need to provide many supporting documents and materials, and even some things involve personal privacy, which greatly increases transaction costs. The possible consequence is that people with good credit will think that the benefits brought by credit card service can't make up for the costs paid, so they quit the credit card market; And some people with poor credit may attempt to breach the contract, then strive for the credit limit. Unable to set the grade according to the demand, cardholders with different credit degrees enjoy different services, which restricts the development of credit card industry at present. At present, the credit line management of many domestic card issuers needs to be improved, and foreign experience can be used for reference. Foreign card issuers usually don't give customers a high quota at first. After tracking the repayment behavior and consumption habits of customers, they will adjust the quota according to the actual needs of customers. Improving the quality of card issuance If the card issuer is open to all, the circulation of the card will go up, but it has not actually produced benefits. After the card is issued, it is often easy to produce sleep card and cancel the card, which wastes limited resources and increases the operating cost. Domestic credit cards have poor revolving credit. According to the survey data, only 2% customers often use revolving credit, and more than 85% customers repay in full every month. Overdraft interest generated by revolving credit is an important channel for credit card profit. The domestic revolving credit market has potential, provided that banks must strengthen the infrastructure construction of risk management, and at the same time, banks can take high-income and high-consumption people as expanding customer groups. Improving the Quality of Customer Service After a customer successfully applies for a credit card, the bank should have corresponding customer service facilities to provide convenience for the customer's future use. At this point, domestic banks have not done enough. At present, the credit card is used to settle the consumption, and the cardholder can pay the consumption only by signing without entering the password. Therefore, if the credit card is lost and the cardholder fails to report the loss in time, the card picker can imitate the handwriting on the signature slip to sign the bill. The method adopted by foreign countries for credit card theft is limited risk liability. If the credit card is stolen and the money on the card is stolen after the cardholder reports the loss, then the cardholder will not suffer any losses, and the bank and the store will pay in full. Even if the cardholder's money has been stolen before reporting the loss, the cardholder only needs to pay $5 to get the money back. The promotion of each new product will go through a long and exploratory process, and there will be bumps and problems on the road of development. However, as long as advanced foreign technology and experience are introduced, the credit card business in China will be accepted and recognized by people like debit cards and make great progress.
let's stop talking about how to promote credit cards.