Reading abstract of 99 golden sentences about credit card marketing and management

I accidentally got this book "99 Golden Sentences of Credit Card Marketing and Management", and the reading summary is arranged as follows:

1. Self-cultivation of credit card marketing

Golden sentence 1: the spirit of hard work is the first essence of marketing.

Performance is earned by hard work. If you always keep a high-spirited attitude, you will have a firm belief, fully tap your potential, overcome difficulties, consciously complete your work, and reach another height of marketing.

Performance is accomplished by action. The market waits for no one, so we should dare to put it into action and constantly cultivate our own marketing ability and ability to adapt to market competition in the process of action.

Golden sentence 2: optimism is the premise of doing a good job in marketing.

Optimists must be enthusiastic about their work, and they must be closer to success. When marketing fails or business development is not good, don't be pessimistic and actively seek solutions to the problems. Optimists are more likely to see the direction of business development and dare to face difficulties and challenges.

Good form can add weight to successful marketing.

Dress up your appearance, tie the right length, wear a flat and straight shirt, and shake hands with moderate strength and movement.

Maintain a good mental state. You should have a complete and clear mind from the beginning of getting up in the morning, so that you can have better judgment and adaptability, and you can respond and answer customers' questions quickly.

Excellent eloquence is an important lubricant for successful marketing.

In the process of communication, the attitude should be gentle, and the volume and speed of conversation should be controlled well, so that interested customers can hear clearly, uninterested customers don't resent it, and people around them pay attention to it without affecting their work. Such volume and speed are the best.

Second, the professional skills of credit card marketing

Golden sentence 5: Professional skills are the basis for ensuring good performance.

Familiar with our credit card products. The credit card business has developed very rapidly in recent ten years, and many card users have been trained. Only by fully mastering the professional knowledge of credit card business can we have the confidence to go to customers and win customers.

Familiar with popular credit card products. It is also an extremely important professional skill to be familiar with popular credit card products and find out the difference between them and other bank credit cards. If customers tell you that they already have a credit card, you can respond quickly and recommend a benefit and discount to customers to supplement their existing credit card, so as to win more opportunities.

Familiar with common financial products. Usually you must know a series of product knowledge. With the acceleration of the transformation and development of the banking industry, the requirements for professional skills are getting higher and higher, and it is an important trend, even a necessary condition, to have a variety of comprehensive sales capabilities.

Golden sentence 6: Make targeted preparations and don't fight unprepared wars.

Sentence 7: Ask questions frequently to improve the passing rate of audit.

Eighth sentence: Strong sense of compliance operation.

For marketers, it is not only an effective means to prevent and control risks, but also an important measure to protect themselves from performing their duties. For marketers, compliance operation is endless and always on the road.

Third, credit card marketing strategies and methods

Golden sentence 9: Marketing should be grouped.

Marketers can quickly identify what kind of people customers belong to through one or two conversations or customer answers, or even expressions, so as to target and classify marketing and maximize marketing productivity in a limited time.

Golden sentence 10: featured products should be combined with scenes.

When promoting characteristic products with clear rights and interests, marketing must be combined with goals, customers' life and work scenes. For example, private car owners can carry out stagnation marketing at the entrance and exit of 4S shop of gas station vehicle management office.

Golden sentence 1 1: You need to be familiar with various customer access policies.

Marketers need to be familiar with the card policies of various customers, accurately grasp the materials to be provided, and give opinions and give priority to important customers, so as to simplify the application procedures, effectively reduce the round-trip time of customers, speed up business processing, and optimize and improve the customer experience.

Golden sentence 12: beautify your products.

Beautifying is not cheating and boasting, but an effective marketing art. If the product you are marketing has won a well-known award, how many customers have handled it or are using it for a long time, you can tell them when marketing, which is the embodiment of credibility. Beautify is not boasting, and don't suppress other people's products. Show customers the side of the product that gives a better life. Only in this way can beautification win the trust of customers and the favor of products.

Golden sentence 13: praise customers moderately

In the marketing process, it is inevitable that customers will talk about their parents' shortcomings. The problems discussed by customers are more specific and you are not sensible. Don't give examples at will. You can nod your head. If he has any questions, you should answer them professionally and patiently. Listen more, be modest and agree more, which applies to work and life.

Golden sentence 14: Be tactful and decent when refusing customers.

For a customer who fails the audit, it just means that he can't handle a certain business, but it doesn't mean that he can't handle all other businesses.

Golden sentence 15: Resolve the crisis smoothly.

We should accept and grasp the key contradictions from customers' opinions with tolerance and solve the problems properly. When a customer complains, don't attach it to the voice, don't argue with the customer, and calm the customer's mood. Determine and then give the solution.

Golden sentence 16: don't slander your competitors.

Customers may also value your professionalism, including the respect of competitors, before choosing your products, so don't slander competitors.

Fourth, the expansion of credit card marketing resources.

Golden sentence 17: find resources from customers.

Golden Sentence 18: Digging Deep Resources from Secondary Marketing

Proper back marketing and return visits are also important ways to win customers. Observe more, think more, dig more and accumulate more.

Golden sentence 19: learn to use natural resources.

There are many such resources, as long as we collect and sort them out at ordinary times and sum them up carefully. With the continuous acceleration of urbanization, a large number of employed people will increase every year. This credit card marketing provides many goals, and customer resources and places where high-quality customers are concentrated are good opportunities. The key is to pay more attention in life.

Golden sentence 20: leaving room is also a resource.

Fifth, the psychological identity of credit card marketing

Golden sentence 2 1: Take care of the psychology of most people.

When talking to customers about things unrelated to marketing in the marketing process, you must pay attention. For example, some places will have folk customs. Don't express your opinions arbitrarily. Learn to take care of most people's psychology, or you will inadvertently offend other customers.

Sentence 22: Ask questions actively and find out the real needs of customers.

Every customer needs a different credit card, some for emergency use, some for installment payment, some for studying abroad, some for the benefits brought by the credit card, and some for the corresponding rights and interests of the card, such as free road rescue and airport VIP room service. Just like some customers like to eat sour plums instead of sweet plums, but you take the initiative to push sweet plums, you don't know the needs of customers, and customers think that you don't have sour plums, so it is easy to fail.

Golden sentence 23: Seize the marketing signal given by customers.

Common signals from customers are as follows: 1. Asking about the product application fee, such as whether to pay the fee in the process of using the card and how to pay back the money. The second is to focus on the details of the product, where can I get a discount, can I buy a car by stages, and which models can I use. Third, the customer adjusts his posture, carefully reads the product terms with his chin in his hand, keeps asking questions, looks at you with a smile, and calculates the repayment with the method you taught him. These are marketing signals given by customers.

Golden sentence 24: Make customers feel worthwhile.

It is a sublimation of successful marketing to let customers feel the value they have done. Through cooperation with international card organizations, many banks have given some high-end cards global services to meet their needs of using cards abroad. For example, how much pounds to spend and how much RMB to save is not only a demonstration of the cost performance of products and services, but also an effective means to solve customer needs and promote customers to apply for and use cards.

Six, efficient credit card marketing skills

Sentence 25: A well-asked question sells well.

For example, choose a way to ask questions Do you want to leave this card with your spouse or children? Diligent thinking, targeted, clever questions can sell well.

Sentence 26: Organize marketing speech according to the policy of applying for the exam.

Golden sentence 27: show off appropriately

In the face of uncertainty, do you trust an ordinary person or authority? The answer is definitely the latter. This is the so-called authority effect. Proper showing off can sometimes cause herd effect, thus winning the recognition of more customers.

Sentence 28: Intention is an efficient marketing skill.

The purpose of deliberately doing it is to attract many irrelevant people around. One is to know that you are there while asking, the other is not only to bury your head, but also to look up, and the third is to learn to speak loudly, because good news travels thousands of miles.

Golden sentence 29: Give preferential treatment before products.

The discount before the product refers to the marketing process. At first, you don't need to introduce the product. Extract the most favorable highlights and introduce them to customers first. After the customer is interested, you can introduce what kind of credit card can get this discount. In most cases, it is not the basic functions of interest-free overdraft and turnover of credit cards that attract customers. If we emphasize the basic function of credit card, it will be counterproductive to a great extent, so it is an efficient marketing skill to introduce the discount first and then the product.

Golden sentence 30: advocate grounding gas.

When large units do credit card marketing, they must form an atmosphere in publicity and make credit cards a hot topic for employees.

Seven, credit card marketing outlets to improve efficiency

Golden sentence 3 1: Marketing with customer group characteristics

Golden sentence 32: Do a good job in accurate marketing of big data

Sentence 33: Support credit card marketing.

Matching reduces the difficulty of marketing to a certain extent and improves the overall efficiency. Doing a good job in credit card matching marketing is an important manifestation of the integrated operation of banks, and it is also the necessity of the transformation of integrated operation of banks today.

Keep in touch with hesitant customers

Golden sentence 35: advanced leads to backwardness

First of all, please come in and study. Credit card marketing in other outlets is better, please go to your own online store to communicate later, and it is best to stay for a few more days to promote the marketing atmosphere and cultivate some business experts.

The second is to go out and study. You can arrange people to study in advanced outlets, learn marketing deployment methods, learn words, and learn to maintain customers. Bring back good practices to help the whole store increase production capacity.

The third is multi-faceted learning. There are many advanced technologies to learn, such as branches, peers, core journals, excellent managers, industry experts and so on. , can be quickly applied to training and promoting more people in combination with reality, and maximize the efficiency of transforming learning into marketing results.

Golden sentence 36: Emotional marketing

When the customer recognizes you very much, you can briefly introduce the functions and uses of the product, without explaining too much at all, just teach him how to use it.

Eight, credit card marketing risk prevention and control

Sentence 37: Judging the risk from the application information.

Sentence 38: Identify risks from supporting materials.

Sentence 39: Eliminate risks from the source.

Marketers should actively establish a strong awareness of risk prevention and control, pay attention to prevention and evasion before marketing, and act according to regulations and systems to effectively prevent and control risks.

Nine. Summary and promotion of credit card marketing

Golden sentence 40: Planning is the core premise of marketing.

Planning ahead costs money. As the saying goes, don't fight unprepared battles, such as planning the route in advance to avoid wasting time. The more careful and thorough the planning, the greater the possibility of achieving good results.

Golden sentence 4 1: consider the time, place and people.

Sentence 42: Recommend suitable products to different types of customers.

Sell the right products to the right people and let the right people use the right products. For example, young customers under the age of 35 will be more inclined to pay by installments with youth theme cards to meet the demand for bulk commodities, and people who like Messi prefer the Ball Union credit card.

Golden sentence 43: find the key time point

Finding the right person at the right time and place will get twice the result with half the effort. Usually, it is best for accountants to do marketing in the middle of the month, because they will be busy at the end of the month and at the beginning of the month, and the doctors and nurses in the top three hospitals will be free after 1 1 am. Businessmen had better make an appointment at 3 pm in advance.

Golden sentence 44: Minimize useless work.

Golden sentence 45: discover and make good use of your strengths.

What kind of customers are you good at marketing? Following the type you are good at can substantially improve the marketing success rate. If you are good at marketing middle-aged customers, then explore the target units that are mostly middle-aged customers.

Golden sentence 46: Come prepared.

Answering customers' questions should be recognized by customers and people around them, and don't let customers question your professional ability. This is something that must be mastered in marketing. What's the use of the customer asking if this card has been processed? When answering, the language should be concise and clear, and quickly list several advantages, such as emergency turnover, card discount, annual fee reduction, point redemption, identity symbol and so on. If the customer asks how long it will take. The answer should be clear. If the procedures are complete, we will pay close attention to the review, which can usually be done in a few working days. Don't underestimate the answers to these two questions, one is related to success, and the other is related to the efficiency of card handling, which are important manifestations of integrity. Think about it, if the customer asks the following questions, can you answer them quickly and professionally: Is this card charged? How to calculate the interest? Is this card safe? How do I return this card? When I have a question, who should I consult? Are there any wealth management products with high interest rates in your bank recently?

Golden sentence 47: Learn to act according to the facts.

It is inconvenient for your bank outlets to pay less. You can answer many repayment methods without outlets, such as WeChat payment, Alipay mobile banking, online banking, and you can also bind automatic repayment. If the customer indicates that he already has a credit card, he can ask the customer which bank's credit card it is, and then quickly compare the advantages and disadvantages and recommend a card with supplementary rights.

X. Credit card marketing performance test

Performance is defined by achieving goals.

Some people with good work habits will split around the overall goal, set a work goal and progress every week or every day, set a work schedule and marketing promotion plan every month or quarter, and always push around the core of the overall goal every day. The success of a person's work mainly depends on whether he has perseverance, plans, can grasp the key and achieve good results.

Golden sentence 49: Performance is established by creating value.

After work, strengthen the study and obtain the certificate, improve the personal level and conditions, and achieve all-round progress. Many times, excellent performance is not enough. Only when morality, intelligence and behavior are widely recognized can such a performance be a powerful performance.

Golden sentence 50: Performance cannot be supported by big risks.

Performance determines how high you can go, and risk determines how far you can go.

XI。 A comprehensive understanding of credit card management

Golden sentence 5 1: recognize the national conditions of credit cards.

Sentence 52: provinces suitable for credit cards.

Golden sentence 53: find out the family background

To find out the family background, we must first understand the income structure of credit card business, such as interest income, consumption commission, income installment fee, receipt fee and so on.

Golden sentence 54: Grasp the industry trend.

Golden sentence 55: positive changes in learning peers

Pay attention to the effective combination of information technology and credit card

The combination with the chip increases the security and versatility of credit cards, and the emerging channels of credit card video audit applications optimize business processes and improve customer experience. In a word, the effective combination of advanced technology and credit card represents the extension or development of an important part of credit card business, which needs to be paid attention to.

12. Fine management of credit card marketing

Golden sentence 57: Be quick and accurate.

Good workplace mentality runs through the career of successful people, because the relationship between mentality and workplace is complementary. In the process of credit card business management, customers often encounter various problems, and these key nodes need to calm down, find the right method and deal with them quickly and properly.

Sentence 58: Be sharp in judgment and seize business opportunities in time.

Golden sentence 59: actively solve the problems faced by the grassroots.

Solve the problem of bidding procedure, improve marketing efficiency, solve the problem of reward, clarify the reward, solve the communication problem and build an information bridge. You can also set up a business support team to clarify key points, listen to suggestions, answer questions on the spot, and actively provide marketing services for * * *.

Golden sentence 60: put site management in a prominent position.

Golden sentence 6 1: the main points to be displayed in business briefing

Golden sentence 62: Focus on key business and make unremitting and rapid self-correction.

Golden sentence 63: think and promote business from the user's point of view

At present, many banks have put forward the business strategy of changing from business to banker, from passive to active, thinking from the perspective of the market and customers, fully combining the needs of the market, and doing a good job in products and services. For example, many banks adopt the principle of tolerance repayment for debts below 10 yuan, and give the principle of tolerance repayment within three working days after repayment. These are all from the customer's perspective.

Thirteen. Organization and promotion of credit card management

Golden sentence 64: Give play to the leading and promoting role of party building integration

Golden sentence 65: Departments should be professional and proceed cautiously.

Golden sentence 66: Grass-roots management institutions should coordinate and promote.

Golden sentence 67: Use assessment and encouragement to actively promote.

Golden sentence 68: Efficient promotion through mass marketing

Golden Sentence 69: Properly push forward the budget expenses.

Adhere to the principles of advance planning, centralized firepower and fine distribution. The competition of banks is increasingly reflected in systematic competition, which requires the joint efforts of business, employees, systems, institutional policies and other aspects to form greater synergy.

Fourteen Integrated operation of credit card management

Integrated management is an inevitable choice for enterprise development.

Golden sentence 7 1: improving marketing efficiency through front desk integration

Golden sentence 72: Strengthen support and guarantee through the integration of China and Taiwan.

Golden sentence 73: improve management level through background integration

Golden sentence 74: Give play to the supporting role of credit card integration in other businesses.

Golden sentence 75: Establish the integration of overall system application and assessment transformation.

Fifteen, the phased transformation of credit card management

Golden sentence 76: continuously optimize the business process with the goal of second batch.

Golden sentence 77: the transformation from product promotion to channel promotion

Golden sentence 78: the transition from perfect product system to perfect use

Golden sentence 79: the transition from manual operation to systematic automatic processing

16. Merchant strategy of credit card management

Golden sentence 80: He who gets the businessman gets the world.

Let's figure out how much your personal deposit in the bank has decreased during the National Day holiday, and where the money has gone, and all of it has gone to online and offline businesses through customer consumption. Merchants' money is usually deposited in banks, which means that the more accounts opened by banks, especially the more acquiring businesses of merchants, the more deposits will be absorbed.

Golden sentence 8 1: merchants provide personalized and multifunctional services.

Golden sentence 82: Improve the coordination of organizational functions and promote the business development of merchants.

17. Customer service of credit card management

Sentence 83: All departments should improve customer service efficiency at the same time.

Sentence 84: Customer service personnel should take the initiative to do a good job in customer service.

Golden sentence 85: Improve and integrate the customer service system.

Golden sentence 86: Continue to play the important role of customer first.

18. Innovative development of credit card management

Golden sentence 87: establishing management system to promote normal innovation

Golden sentence 88: Improve product functions and create demand innovation.

The personalized DIY card implemented now should include but not be limited to the following aspects: the card should be personalized, the use should be personalized, customers can set multiple points for important days, the management should be personalized, and the billing day should be set by themselves.

Golden sentence 89: select high-quality customers to form target innovation

Golden sentence 90: Optimize business processes and promote experience innovation.

Nineteen, a solid foundation of credit card management.

Sentence 9 1: effectively improve the main business line from the customer's point of view.

Golden sentence 92: grasping the transformation of outlets

Sentence 93: Build a three-stage risk prevention and control system.

Golden sentence 94: establishing multi-channels for talent training

One is to pay attention to the cultivation of comprehensive sales talents, the other is to establish a training system for high-end professionals, and the third is to improve the comprehensive quality of management talents.

Golden sentence 95: form an excellent credit card culture

20. Future prospect of credit card management

Golden sentence 96: Credit cards also have cyclical characteristics.

Golden sentence 97: the future of credit card business dominated by information technology

Service is the last mile of credit card market competition.

Golden sentence 99: Credit card creates a better life.

Credit cards will continue to enrich people's lives, further solve the contradiction between people's growing demand for a better life and unbalanced and inadequate development from the aspects of payment, credit, convenience, benefits, safety and civilization, and continue to promote the all-round development of people and society. It is the kingly way to develop domestic credit card business to walk out a development path that conforms to Socialism with Chinese characteristics in the new era.

Pufa Credit Card newly launched "Xiaopu Book Club"

Under the background of consumption upgrading, people's consumption concept has changed from the original physical consumption to cultural service consumption. From "food, clothing, housing and transportation" to "knowledge, enjoyment and entertainment" and other spiritual needs. The Report of China Residents' Cultural Consumption released by the National Development and Reform Commission for the first time shows that the per capita cultural consumption in cities and towns in China has increased from 945 yuan to 1268 yuan in recent years, which has become an important embodiment of China's consumption upgrading. Keenly aware of the new demand of people's cultural consumption upgrading, Shanghai Pudong Development Bank Credit Card and Wen Hui Publishing House recently launched a brand-new life service right-"Shop Book Club", which provides users with year-round reading membership service, reawakens the traditional paper book reading mode and enjoys a good reading time.

It is reported that the newly launched "Xiaopu Reading Club" has two theme books, namely "Starry Sky" and "Earth". The former pays attention to the beauty of sensibility and spirituality, while the latter pays attention to the beauty of life and practicality. Users can choose their own reading topics. In the first two topics, two selected books will be published, namely "Shuffle Times" by Jin Yucheng, winner of Mao Dun Literature Prize, and "A Journey to Find China Artisans-Craftsmanship and Zen Mind" by Asakusa, a young writer. After subscribing to the annual membership of Xiaopu Bookstore, users can get 1 book every month, and 12 books throughout the year, with a brand-new book list every month, giving them more expectations. It is worth mentioning that this year's reading members not only enjoy the good books recommended by experts every month, but also include a set of books, * * * 1, jointly launched by Wen Hui, Pudong, which are sent with the books every month, totaling *** 12 pieces, which is not only a rare masterpiece of "A Dream of Red Mansions", but also a wonderful gadget for reading.

During the activity, users can place their own orders through official WeChat of Shanghai Pudong Development Bank Credit Card and Pudaxiben APP, and order the annual reading members of Xiaopu Book Club at the price of 600 yuan at a premium of 199 yuan, so as to get real "luxury" with little money and develop good reading habits.

In recent years, in the process of business development, PUFA Credit Card actively seeks new meeting points around people's growing cultural consumption demand, takes products and services as the carrier, insists on continuous innovation, and realizes the spread of excellent culture; We will continue to exert our efforts in the field of traditional culture, lead the trend of "cultural and financial innovation", continue to inject cultural connotation into the brand, and deepen users' goodwill towards the brand through issuing the Forbidden City series cultural co-branded cards and in-depth cooperation with high-quality dramas such as The Stage.

The relevant person in charge of Pufa Credit Card said that everyone has cultural needs in their hearts. Through this cooperation with Wen Hui Publishing House, I hope to revive reading, a traditional reading method that has been proved to be the most effective in spreading knowledge and inheriting culture. Let people slow down and calm down in the fast-paced life, and further expand the new mode of financial value-added services while meeting people's deep spiritual needs.

Seoul's strongest online celebrity photo location: Modern Credit Card-Cooking Library

HyundaiCard(HC), one of the largest credit card companies in Korea, built a "cooking library" in Seoul, which was designed by Blacksheep Architects, a professional catering design studio from London.

HC designed the modern credit card library as a series with four inspiration spaces, aiming at providing a meaningful life for urban life in the digital age and inspiring people's inspiration in daily life. Every space here is full of knowledge of various lifestyles, covering tourism, music, design, cooking and other fields. This is the last library in the series.

Through the sincere cooperation between Blacksheep and OneOOneArchitects, the project decided to take the modern credit card library as the last and most striking building in the series. Blacksheep Architects designs the interior through brand, staff uniforms and packaging to create a perfect customer experience space.

When you explore the fields of cooking and food here, you will find that cooking libraries create real-world experiences.

In the design of this project, Black Sheep architects are required to create an interrelated experience in these five floors of the library, and let people enjoy cooking in Yongdengpu community, one of the richest communities in Seoul.

Blacksheep Architects is committed to creating a happy world. Skills generate basic luxury, inviting people to touch and simulate details, and making tourists unconsciously lost. The Blacksheep design team hopes to build a factory in the suburbs of Europe and turn it into a food laboratory in the center of Seoul.

It specifies a series of high-quality products of European furniture and lighting brands, and brings this concept into life, enriching the experience of all visitors who read HC cooking books.

Credit card finance books

Credit card and POS finance, bank credit card practice manual, bank card era

Credit card, the road to customer loyalty, bank card industry supervision: international experience

Modern credit card management, bank credit card and bank card business

Invisible Visa —— A Mixed Order Organization Towards the Future

So much for the introduction of credit card books.