Why do bank staff advise customers to apply for a gold card, and is there any routine?

In fact, this routine is very simple and clear, and under normal circumstances, those who can apply for a gold card may be some people with better economic conditionsBecause if ordinary people do not have certain economic conditions, then even if the bank staff takes the initiative to apply for some gold cards for them for free, they will not accept it, because if ordinary people know that this is a more expensive gold card, then they will definitely think of some preferential services of the next gold card, these services must be linked to money, so they will refuse. But people with a certain financial strength will not refuse this kind of preferential service, so it is possible that this is a marketing plan for some wealthy people. Of course, there are several other possibilities:

1. Collect customer information

First of all, even if it is some rich people, then after applying for some bank gold cards, they will not be particularly happy to accept some services, of course, the bankers are not stupid, they will definitely think of this, so an important reason why they apply for gold cards for many customers is that they may collect the information of these customers, such as you work in **? How much does you earn each month? How many people are in the family?

What is the date of the month and so on, etc., these important information will help the bank to make some important decisions directly.

2. Design solutions for customers

Secondly, after collecting this information, the bank will accurately tailor some marketing plans suitable for customers based on this information, so after knowing this information, this marketing plan will be very sales-powerful, plus most of these customers are rich people, it is easy to be marketed, so the bank's sales performance will increase significantly.

3. Seize the market

We all know that if we apply for a VIP card or a valuable card in a certain company, we will often pay attention to the activities of this company, then after participating in the activities of a certain company, we may not have the time and energy to participate in the same activities of another company, so the main reason for the bank to do this may also be to seize the opportunity of the market, simply put, he occupies your time first, so that his competitors have no way to act.

The work of bank staff is also performance-oriented, so they will find customers to open gold cards, so that these customers who open gold cards can be counted on the staff who apply for gold cards in the future.

Customers who apply for gold cards may take out loans, so that the bank has more business. Loans are also an important part of their business, and now they are being scrambled, so banks have to lock in customers in this way.

Being able to apply for a gold card means that there must be a lot of deposits in this bank, and the more deposits you have, the more beneficial it will be to the bank.

This kind of behavior is a very money-saving thing in the circle, a bank staff in order to earn interest on customers.

Mouth guard ID number.

One. It is recommended that you apply for this card. You've won a prize.

2.Whatever you do, don't be a traitor or a thief.

I used to deposit 500,000 yuan on the ordinary bank card of China Merchants Bank, and then China Merchants Bank invited me to open a sunflower card again and again, saying how to get more benefits. I remember one thing, and that was that it was free in different places at the time. Later, I went to another place to use the money.

When the card payment is less than 500,000 yuan, the customer service of China Merchants Bank will call **, and the monthly fee is 150 yuan. Needless to say, I decisively went to China Merchants Bank to cancel the card. The so-called service was not enjoyed at all, causing a lot of trouble and a few days of delays.

By the way, when I canceled my credit card, I was in line for a while....

Three. Gold cards are also routine

The gold card is the task assessment standard for bank staff. Obviously, the money saved before is not in your own name, as long as you get a gold card, you can go to your own name. Such a high quality** can be done with just a few more words and a light card.

Why not? The assessment results of opening ordinary cards, gold cards and other cards are different, and the grade of the cards is also high, which means that the higher the margin you attract customers, the higher the reward, so you must have a high income. There are also crazy marketing customers who open gold cards, but customers can only price cards that meet the requirements.

It can be seen that the main purpose of the gold card is to attract customers. In fact, the actual meaning of the gold card is not big, it is to give you a kind of comfort, make you feel that you are a VIP, in fact, the real VIP does not take this card.

The real VIP of the bank is the private banking customer [generally the bank has a long-term deposit of more than 8 million, the five major banks need 6 million, and the commercial bank is relatively low, as little as 3 million can handle a private bank account] [This is the real VIP of the bank].

As for the golden sunflower savings card of China Merchants Bank depositing 500,000 yuan, [the so-called gold card of the bank has the privilege of queuing priority, and now it is indeed like this, and ordinary cards are free in different places] [There are more such ICBC business travel savings cards......There are too many, every bank has one or more of these cards] This is indeed the priority of queuing, and the rest is of little use.

What gold card silver card, give a reasonable back door, dislike the poor and love the rich, everyone makes some trouble for the bank, educate them well, the customers in the hall are equal, the gold card customers go upstairs, don't engage in privileges under the noses of the people!

The minimum deposit balance of the gold card is not less than 200,000 yuan, and there is also a name called VIP card, which has priority privileges for handling business, and the deposit in the card is settled according to the current deposit.

Why do the staff persuade me to get a gold card when I go to the bank to make a deposit? What's so greasy.

When you go to the bank to do business, the staff at the counter will identify your star rating in the bank according to the prompts in the system.

The main intention of the bank deposit staff to persuade people to apply for gold cards is to attract savings and achieve the purpose of attracting customers.

Because he will have a commission when he applies for a card, he will definitely sell for his own commission.

Adhere to a principle, I don't want what you recommend, I accept what you say in reverse, and choose based on your own analysis.

The current bank is not called a bank, but a second insurance company. Once, when the line card was swallowed (Bank of China's) to pick up the card, the salesman was only his mother's cow, and he vomited all the smell of cordata. Say how troublesome it is to withdraw money with a card, cause a lot of trouble to them, you can use your mobile phone to withdraw money, alas, my mother is old, I think it's so safe, can't I?

ICBC service star 5 star can apply for a wealth management gold card, but customers in Beijing still need to meet the condition of financial assets of 300,000 yuan.

Let's put it this way. Actually, it's just to keep your money here. For tellers, there is a commission for applying for a gold card. Naturally, I want to recommend it.

To get a gold card, you have to keep a certain amount of money in the card, otherwise you will have to pay a monthly management fee.

Because they have this task, and it is more convenient to use it in the later stage of applying for a gold card.

Gold cards aren't just casually opened, are they? It seems that there is a minimum standard for bank deposits. When you go to the bank to do business, you know the importance of the VIP card.

Because they generally have task indicators, getting a gold card is part of their task.

Because if the bank does not apply for a gold card, the income will be relatively high.

Because if they succeed in this way, they will earn a lot of profits.

It's all routines, catering to satisfy the vanity of some people, in fact, hehehe.

But what is recommended by the staff, they all have commissions, or have tasks.

Because he has a track record and will get a commission for recommending him, he will generally be very positive.

Because if a customer applies for a gold card, the staff can get a part of the commission, so as to increase their income.

If the customer has a gold card, they will have a large commission and will be recognized by the boss.

Why go to the bank, there are always staff who will recommend applying for a "gold card"? Pay attention to these routines.

Why do the staff ask you to apply for a "gold card" when you go to Fenglaxu Bank to make a deposit? There is a round and cat silver burning!