1 thought on “What are the hidden rules for promoting credit cards. Essence Solve”
Glenn
The report of "No Credit Card but receiving an overdrawn" on June 20 has attracted a lot of attention. Ms. Li's "Top card task" for friends and the experience of applying for credit cards has resonated with many readers. "Most of the wallets are" human love cards "to help relatives and friends to complete a large number of credit cards to handle tasks." Such experiences are very common. Why do banks occupy the credit card market so? The reporter will take you to visit the credit card to handle the "behind the story behind."
The on June 20th at 10:20 am, the sun in Weihai City is strong, and the temperature has made it difficult for people to stay outdoors for a long time. Wang Wei (a pseudonym) of a bank's credit card promotion salesman still carried a packet of gifts in the "sweeping street." Walking on various streets and walking into various office buildings, companies, and stores along the road to sell credit card business, this is called "sweeping the street" and "sweeping building" by Wang Wei.
1 1. For two months, the task is laid -off
"Who wants to be so hard on the hot day, but the task is pressed, not yet to open, do not have more, run away, run away, run quickly, run quickly 'How to explain. "Wang Wei admits that the credit card salesperson must have" a strong enough pressure resistance. " Not only "suffering and suffering", but also to be under tremendous pressure.
"We can take the road of ordinary people a week in a day. The early morning meeting of up to half an hour a day is in the office, and the others are 'outdoor operations'." Wang Wei said, because " "Sweeping the building" and "stalls" are the norm of work. He often claims to be a city migrant worker in a suit and leather.
In addition to being able to endure hardships, the pressure of the task of salesman often makes them breathless. Wang Wei revealed that the task volume of his credit card center is 110 per month. In the month, 60 credit card applications were qualified to get the bottom salary, and the full bonus could be received over 110.
"6 or 7 cards per day before each day. The morning meeting was opened the next morning. The director will talk to the employee. If the task is not completed for two consecutive months, the salesman will face laid -off.
Due to such pressure, the personnel of the credit card salesperson flow quickly. Colleagues who were in the same approval as Wang Wei gone in half in half a year. "Die quickly, but the survival generally has a certain ability to resist frustration, which can fight 'sand fields'."
2. Gifts for free -pockets for performance
"Many times they hit the gift 'to open the door." Wang Wei said helplessly that the gift -giving gifts were already the "hidden rules" for getting customers.
In order to improve the performance, the salesperson must pay for gifts. "After the task is not completed, you must deduct the base salary. Put out your own money and send a small gift. Wang Wei said that gifts are still a good tool for pushing the business network.
Wang Wei once worked in Yantai for a period of time. In his opinion, the Weihai market is relatively new and the competition is relatively small. He revealed that the competition between other credit cards is relatively large, and the competition between banks is very fierce, and the gifts of credit card salespersons are "smashed" very well. "Most of the Weihai side is a set of small tableware, and in Yantai, more than a dozen dollars of insulation cups, travel bags, etc. are common."
3. There are many loopholes in credit card applications r r
The reporter followed Wang Wei and his colleagues to promote nearly 5 hours in office buildings and streets. When applying for a credit card for the applicant, the salesperson's introduction of the rules and procedures for the use of credit cards is very simple. The applicant's salary is also very casual. The office phone and other information can find "stand -in" to make guest appearances.
Wang Wei said that once the information filled out by the headquarters is false, the salesman will face the risk of "fraud" and will be deducted from more than 100 yuan. However, salesmen generally ask the applicant to discuss with "stand -in" in advance. In addition, information such as salary is easy to "cheat", "there is generally no problem." The threshold for credit cards is very low. When the salesperson went down to promote, "at the age of 18 and work, you can do a card."
The also admit that there are many vulnerabilities in the credit card application process. If the salesman really wants to promote the business, it is easy to use this identity to obtain the applicant's information or perform illegal overdrafts. Wang Wei's bank has now used special machines to hire information. Sales and applicants must one -on -one or face -to -face procedures. At present, many banks still only rely on the paper information to apply. If the salesperson has no intention, the applicant's information and mobile phone number can be changed, and it is easy to leak the applicant's information.
The experience of "being consumed" encountered by Ms. Li encountered by Ms. Li in the "Intrailed Credit Card but receiving an overdrawn", Wang Wei admits that this situation has also happened before. "Some salespersons are overdrawn through the credit card, but banks can easily be traced."
. The interest chain behind the "horse running circle"
Wei revealed that compared with the debit card, the credit card issued by the bank is more sources of income, and the profit margin is more. At present, the credit card income of various banks mainly comes from the handling fees paid by annual fees, overdraft interest and credit card trading merchants, and installment payment fees.
The annual fee one as an example. At present, the highest annual fee of the debit cards of each bank is 10 yuan, and even some bank's debit cards are still "zero annual fees". According to the card species of the credit card, the annual fee is as small as tens of yuan, up to hundreds of yuan.
"Many banks now have launched some measures to swipe the cards without annual fees'. In fact, there is also a calculation of profit margins in the middle." Wang Wei said, encouraging customers to hold card consumption, banks, banks, banks, banks, banks, banks Can get more rebate income from the signing merchant. When the cardholder uses a credit card consumption, banks can usually get 1%-2%from merchants. "It is conceivable that if a credit card is covered in large quantities, how attractive the profit generates the accumulation of this income is."
The profit is naturally leading the bank's command stick under the bank. Essence Wang Wei said that taking his bank as an example, the head office issued the task amount to the offices from various places, and then reached the task from the office, department, and group to the salesperson. Each bank showed its magical powers in the occupation market.
For salespersons, although the card issuing task and requirements seem cruel, this business commission is also very large. The amplitude of the bonus is also proportional to the number of cards processed. The more credit cards processed in the month, the commission of each card is floating. Wang Wei said that the commission of each credit card is between 15 yuan and 70 yuan. If a salesperson completes the task of 110 cards, the cost, tax, and insurance of the purchase of gifts in the month can get a salary of nearly 7,000 yuan.
5. Credit card salespersons are mostly college degree
The loopholes in the process of credit card processing. What is the entry threshold for business personnel? The reporter investigated in many banks found that the application requirements of credit card business personnel are mostly college degrees or above, and those with marketing work experience are preferred.
In the recruitment of credit card promoters of a bank, the reporter saw this information:
This is a marketing job of sending wallets, that is, through a pro -visit, Methods, send the credit card's electronic wallet to the vast number of the audience with three stability of work, income, and residence, and in order to solve the from time to time and urgency in their daily life. It can be said that this is the only promotion work that not only does not need to pay for customers to pay for customers without paying money!
For job requirements, the bank only stipulates: a college degree or above, under 35 years old, and those who have sales experience are excellent.
"The entry threshold is relatively low." Wang Wei said that the requirements for his own application only needed a college degree or above, and more inspections of marketing experience during the interview. He told reporters that banks will mostly conduct training for new employees for a period of time, but the requirements for marketing skills are more focused on more than industry specifications.
"human love card" and "gift card" are crazy
Qi Yue is a white -collar worker who has worked for two years. She showed the four credit cards in the wallet to reporters. "Only the first one was done by myself, and the others were for friends 'top mission'." Qi Yue studied in finance when he was in college. After graduation, many students went to work in the bank, and several of them entered the credit card department. Qi Yue joked that she was the "Human Card" sales office of these classmates. Not only did she take over the credit cards of multiple banks, she also assumed the task of selling to her relatives and friends. She told reporters that in order to get more cards, she also helped to contact other relatives and friends to apply for credit cards without activating use. "Some banks, as long as the application is successful, the dormant card is also counted as a card task, so some students will find me to mobilize when they are not the mission at the end of the month." When "human love card", the procedures and use of the credit card you do are unclear. "I don't know how to use it. My relatives of my friends work in the bank. I sent her the information and didn't care about it." Citizen Wang Jing said that she has never used her credit card to help her, and even don't even know that the credit card is still still Make annual fees.
In addition to human feelings, the temptation of gifts is also a major reason for citizens to apply for credit cards. Wang Wei, a credit card promotion salesman, revealed to reporters that he had encountered a credit card "Cardman" who applied for 6 banks at a time. The group handling card is to get a rice cooker jointly gift.
The a capacity of Weihai 1.5 credit card handling risks cannot be underestimated
. According to the police of the Economic Investigation Brigade of the Huancui Public Security Bureau, Weihai currently has a population of about 2.82 million, and the credit card has issued 4.24 million. 1.5 per capita, more than 4,000 POS machine and merchant in the city, and 6,980 POS machines distributed. The use of a credit card on the POS machine is essentially using the financing function of the credit card in disguise. POS merchants have become an underground financing platform for evading supervision. While disrupting the financial order, it also increases the risk of bad debt issues and easily cause related social issues. Pseudo cards are convenient for crimes such as use and money laundering.
The risk of credit card processing cannot be underestimated. In the processing of credit card issuance and POS machine installation, many banks are sent to bank employees in the form of tasks. As a result, the employees of the banking department have completed the tasks more. They only care about pulling customers everywhere. They did not strictly review whether they meet the issuance conditions, resulting in various review procedures for issuing credit cards. In order to complete the task illegal operations, some bank workers have made more and more financial crimes derived from banking business. At the same time, when many citizens are handed over to others to apply for credit cards, they over -trust others, causing their valid documents to be used by criminals, and infringement of their own interests while also providing opportunities for criminals.
The report of "No Credit Card but receiving an overdrawn" on June 20 has attracted a lot of attention. Ms. Li's "Top card task" for friends and the experience of applying for credit cards has resonated with many readers. "Most of the wallets are" human love cards "to help relatives and friends to complete a large number of credit cards to handle tasks." Such experiences are very common. Why do banks occupy the credit card market so? The reporter will take you to visit the credit card to handle the "behind the story behind."
The on June 20th at 10:20 am, the sun in Weihai City is strong, and the temperature has made it difficult for people to stay outdoors for a long time. Wang Wei (a pseudonym) of a bank's credit card promotion salesman still carried a packet of gifts in the "sweeping street." Walking on various streets and walking into various office buildings, companies, and stores along the road to sell credit card business, this is called "sweeping the street" and "sweeping building" by Wang Wei.
1 1. For two months, the task is laid -off
"Who wants to be so hard on the hot day, but the task is pressed, not yet to open, do not have more, run away, run away, run quickly, run quickly 'How to explain. "Wang Wei admits that the credit card salesperson must have" a strong enough pressure resistance. " Not only "suffering and suffering", but also to be under tremendous pressure.
"We can take the road of ordinary people a week in a day. The early morning meeting of up to half an hour a day is in the office, and the others are 'outdoor operations'." Wang Wei said, because " "Sweeping the building" and "stalls" are the norm of work. He often claims to be a city migrant worker in a suit and leather.
In addition to being able to endure hardships, the pressure of the task of salesman often makes them breathless. Wang Wei revealed that the task volume of his credit card center is 110 per month. In the month, 60 credit card applications were qualified to get the bottom salary, and the full bonus could be received over 110.
"6 or 7 cards per day before each day. The morning meeting was opened the next morning. The director will talk to the employee. If the task is not completed for two consecutive months, the salesman will face laid -off.
Due to such pressure, the personnel of the credit card salesperson flow quickly. Colleagues who were in the same approval as Wang Wei gone in half in half a year. "Die quickly, but the survival generally has a certain ability to resist frustration, which can fight 'sand fields'."
2. Gifts for free -pockets for performance
"Many times they hit the gift 'to open the door." Wang Wei said helplessly that the gift -giving gifts were already the "hidden rules" for getting customers.
In order to improve the performance, the salesperson must pay for gifts. "After the task is not completed, you must deduct the base salary. Put out your own money and send a small gift. Wang Wei said that gifts are still a good tool for pushing the business network.
Wang Wei once worked in Yantai for a period of time. In his opinion, the Weihai market is relatively new and the competition is relatively small. He revealed that the competition between other credit cards is relatively large, and the competition between banks is very fierce, and the gifts of credit card salespersons are "smashed" very well. "Most of the Weihai side is a set of small tableware, and in Yantai, more than a dozen dollars of insulation cups, travel bags, etc. are common."
3. There are many loopholes in credit card applications r r
The reporter followed Wang Wei and his colleagues to promote nearly 5 hours in office buildings and streets. When applying for a credit card for the applicant, the salesperson's introduction of the rules and procedures for the use of credit cards is very simple. The applicant's salary is also very casual. The office phone and other information can find "stand -in" to make guest appearances.
Wang Wei said that once the information filled out by the headquarters is false, the salesman will face the risk of "fraud" and will be deducted from more than 100 yuan. However, salesmen generally ask the applicant to discuss with "stand -in" in advance. In addition, information such as salary is easy to "cheat", "there is generally no problem."
The threshold for credit cards is very low. When the salesperson went down to promote, "at the age of 18 and work, you can do a card."
The also admit that there are many vulnerabilities in the credit card application process. If the salesman really wants to promote the business, it is easy to use this identity to obtain the applicant's information or perform illegal overdrafts. Wang Wei's bank has now used special machines to hire information. Sales and applicants must one -on -one or face -to -face procedures. At present, many banks still only rely on the paper information to apply. If the salesperson has no intention, the applicant's information and mobile phone number can be changed, and it is easy to leak the applicant's information.
The experience of "being consumed" encountered by Ms. Li encountered by Ms. Li in the "Intrailed Credit Card but receiving an overdrawn", Wang Wei admits that this situation has also happened before. "Some salespersons are overdrawn through the credit card, but banks can easily be traced."
. The interest chain behind the "horse running circle"
Wei revealed that compared with the debit card, the credit card issued by the bank is more sources of income, and the profit margin is more. At present, the credit card income of various banks mainly comes from the handling fees paid by annual fees, overdraft interest and credit card trading merchants, and installment payment fees.
The annual fee one as an example. At present, the highest annual fee of the debit cards of each bank is 10 yuan, and even some bank's debit cards are still "zero annual fees". According to the card species of the credit card, the annual fee is as small as tens of yuan, up to hundreds of yuan.
"Many banks now have launched some measures to swipe the cards without annual fees'. In fact, there is also a calculation of profit margins in the middle." Wang Wei said, encouraging customers to hold card consumption, banks, banks, banks, banks, banks, banks Can get more rebate income from the signing merchant. When the cardholder uses a credit card consumption, banks can usually get 1%-2%from merchants. "It is conceivable that if a credit card is covered in large quantities, how attractive the profit generates the accumulation of this income is."
The profit is naturally leading the bank's command stick under the bank. Essence Wang Wei said that taking his bank as an example, the head office issued the task amount to the offices from various places, and then reached the task from the office, department, and group to the salesperson. Each bank showed its magical powers in the occupation market.
For salespersons, although the card issuing task and requirements seem cruel, this business commission is also very large. The amplitude of the bonus is also proportional to the number of cards processed. The more credit cards processed in the month, the commission of each card is floating. Wang Wei said that the commission of each credit card is between 15 yuan and 70 yuan. If a salesperson completes the task of 110 cards, the cost, tax, and insurance of the purchase of gifts in the month can get a salary of nearly 7,000 yuan.
5. Credit card salespersons are mostly college degree
The loopholes in the process of credit card processing. What is the entry threshold for business personnel? The reporter investigated in many banks found that the application requirements of credit card business personnel are mostly college degrees or above, and those with marketing work experience are preferred.
In the recruitment of credit card promoters of a bank, the reporter saw this information:
This is a marketing job of sending wallets, that is, through a pro -visit, Methods, send the credit card's electronic wallet to the vast number of the audience with three stability of work, income, and residence, and in order to solve the from time to time and urgency in their daily life. It can be said that this is the only promotion work that not only does not need to pay for customers to pay for customers without paying money!
For job requirements, the bank only stipulates: a college degree or above, under 35 years old, and those who have sales experience are excellent.
"The entry threshold is relatively low." Wang Wei said that the requirements for his own application only needed a college degree or above, and more inspections of marketing experience during the interview. He told reporters that banks will mostly conduct training for new employees for a period of time, but the requirements for marketing skills are more focused on more than industry specifications.
"human love card" and "gift card" are crazy
Qi Yue is a white -collar worker who has worked for two years. She showed the four credit cards in the wallet to reporters. "Only the first one was done by myself, and the others were for friends 'top mission'." Qi Yue studied in finance when he was in college. After graduation, many students went to work in the bank, and several of them entered the credit card department. Qi Yue joked that she was the "Human Card" sales office of these classmates. Not only did she take over the credit cards of multiple banks, she also assumed the task of selling to her relatives and friends. She told reporters that in order to get more cards, she also helped to contact other relatives and friends to apply for credit cards without activating use. "Some banks, as long as the application is successful, the dormant card is also counted as a card task, so some students will find me to mobilize when they are not the mission at the end of the month." When "human love card", the procedures and use of the credit card you do are unclear. "I don't know how to use it. My relatives of my friends work in the bank. I sent her the information and didn't care about it." Citizen Wang Jing said that she has never used her credit card to help her, and even don't even know that the credit card is still still Make annual fees.
In addition to human feelings, the temptation of gifts is also a major reason for citizens to apply for credit cards. Wang Wei, a credit card promotion salesman, revealed to reporters that he had encountered a credit card "Cardman" who applied for 6 banks at a time. The group handling card is to get a rice cooker jointly gift.
The a capacity of Weihai 1.5 credit card handling risks cannot be underestimated
. According to the police of the Economic Investigation Brigade of the Huancui Public Security Bureau, Weihai currently has a population of about 2.82 million, and the credit card has issued 4.24 million. 1.5 per capita, more than 4,000 POS machine and merchant in the city, and 6,980 POS machines distributed. The use of a credit card on the POS machine is essentially using the financing function of the credit card in disguise. POS merchants have become an underground financing platform for evading supervision. While disrupting the financial order, it also increases the risk of bad debt issues and easily cause related social issues. Pseudo cards are convenient for crimes such as use and money laundering.
The risk of credit card processing cannot be underestimated. In the processing of credit card issuance and POS machine installation, many banks are sent to bank employees in the form of tasks. As a result, the employees of the banking department have completed the tasks more. They only care about pulling customers everywhere. They did not strictly review whether they meet the issuance conditions, resulting in various review procedures for issuing credit cards. In order to complete the task illegal operations, some bank workers have made more and more financial crimes derived from banking business. At the same time, when many citizens are handed over to others to apply for credit cards, they over -trust others, causing their valid documents to be used by criminals, and infringement of their own interests while also providing opportunities for criminals.