How's the reminder work?

Is it easy for credit card collectors? I just entered the business and feel a little confused.

Credit card collection is generally outsourced to collection companies.

Then you may have gone to the collection company to work,

There are roughly two kinds of collections, electric reminders and foreign visits.

To tell the truth, the effect of electric reminder is not generally poor, the work is very boring, and it is particularly annoying to be reminded by phone, and the salary is not so good. I'm tired of being urged by electricity, because some customers always call me when they save my name. Every time I say it's a colleague, I'm visiting abroad, so I can ask them to write it down, and then it will be fine.

Then let's focus on foreign visits. Generally, foreign visits are at least a group of two people, who come to the door to find customers and then negotiate repayment. Configuration is basically a so-called lawyer plus a so-called (social person). Why do you put brackets? Because real social people don't do this,

How about being a credit card collector? Is this job easy to do?

Nature of work: It can be cool to face customers, and you can vent freely when you are skilled \ r \ Facing leaders or pretending to be grandchildren. \ r \ Future: Any occupation is the same. If you do well, you will be promoted. The road of team leader, supervisor and manager is very difficult. \ r \ Usually you don't see them in the office, but they do exist in the company office. Sometimes you need to run outside. But I spend most of my time on the phone in the office. \ r \ nTo tell the truth, most people can't stand this job, but they can stand it, with mature minds and calm heads. When you face customers, you must be patient with their situation, so what you want to learn will be comprehensive. Including the application of credit card, the calculation method of interest, the harm of overdue, and the way and method of repayment. \ r \ The short answer is to get the money back. The process is very challenging, and you need to bring all aspects into play. You need not only professional answers, but also a grasp of people's psychology. Some people have money, but they should not pay it back. At this time, you must also find a way. You don't have to be a big shot to do this job well, but you need someone with a strong heart, especially some cases of door-to-door collection or fraud. It can exercise your strong heart. Being drenched with red oil and intimidation on TV is a bit exaggerated, but there are also many. ) \ r \ nIn short, I see that many colleagues who collect money are married, mature and have good performance. That time was very difficult. The average salary is around 8000 (just my previous reference). So, you can really do it.

How about the work of the credit card collector?

This collection is really bad. Frankly speaking, this job is not a normal job. For a long time, in order to benefit, it can be said that it is wandering on the edge of the law. Carelessness is a crime.

You'd better not do such a job. This kind of work is not a good job. Credit card overdue collectors of outsourcing companies can be said to be similar to temporary workers, that is, collecting arrears. It can be said that your usual job is to collect debts that are difficult to collect. You may meet all kinds of people.

Generally speaking, if the bank customer service politely urges for a long time and fails to pay off the debt, it is possible to enter the outsourcing company. It can be said that many credit card debts owed by these people cannot be repaid. Otherwise, if you can, no one wants to owe them money all the time. Therefore, if the collector is polite to these debtors, he may still not pay them back. In this case, the collector will not be able to work effectively and get salary income.

If the cardholder wants the debtor to pay back the money as soon as possible, he may have to take some measures, which may be a bit illegal. If a collector wants to take such a big risk to collect some salary commission, it is really a bit uneconomical. So it's best not to do this kind of work, otherwise the risk is great.

: bank position:

1. Bank teller

There are two kinds of bank tellers, one is the front desk teller and the other is the back desk teller. The cashier at the front desk mainly receives customers to handle the corresponding business, and the cashier at the back desk checks some bank bills in the background. Backstage tellers should be more careful. They often have to review bills and bills. They cannot be careless. A slight mistake may cause huge losses to the bank. When you leave your seat, you must remember to lock the computer screen and drawer safe. Don't let others touch your business seal and name seal.

2. Customer marketing

The job of this position is mainly to attract customers. Good at tapping potential customers, with strong communication and marketing skills, can not only meet customer needs and provide practical value, but also enable banks to obtain operating profits and maintain normal operations.

3. Product support

The product support position is mainly to analyze some customer needs, develop products that meet the market demand according to the needs, and seize customer resources for banks. Product support positions are usually demanding. Good analytical skills and understanding of financial products.

4. Risk control

The risk control position is mainly to prevent and control customer credit risk and operational risk, and at the same time, it is necessary to monitor relevant risk indicators to improve the bank's own anti-risk ability. At present, the demand for risk control positions in major domestic banks is relatively large. Risk control positions generally require individuals to have strong risk foresight ability, judge when risks occur or are about to occur, and take timely countermeasures. At the same time, do a good job in risk control and have strong project operation ability.

5. There is a lot of IT work.

In addition to maintaining the stability of the banking system, we also need to develop and test new applications, such as bank mobile applications or clients. Information technology positions require a higher level of computer specialty and require a strong ability of development and innovation.

Why are credit cards being collected?

In fact, the credit card collector is to help the bank recover the arrears. In the early stage, the collector of the credit control department of the bank generally reminds the cardholder that there is a credit card debt that needs to be paid off only by SMS or telephone. The later, the more difficult the collection, especially the outsourcing collection.

Subcontracting collection is basically bad debts, which are difficult to recover. It is necessary for the company's collection staff to have certain collection skills, especially to explain the overdue interest of credit cards to the other party reasonably, and to have a strong psychology to face the other party's bad words.

However, as a credit card collector, you must not violently collect, such as exploding the address book, destroying family property, harassing debtors and even their families for a long time, maliciously slandering and insulting.

Credit card collection is divided into internal collection and outsourcing collection. Internal collection usually refers to customers who are overdue for less than three months, usually by bank customer service reminder (M0 period), electric reminder (M 1 2 period) or door-to-door collection at all business outlets (M3 period)!

M0 period is from the second day of the last payment date to the next accounting date. During this period, the bank records are hardly damaged, but late fees and full interest will be charged. During this period, banks generally don't call for money, but remind them by SMS platform or telephone that they are overdue!

M 1 period is the continuation of M0 period, that is, between the second unpaid billing date and the last payment date of the second bill, the credit record will be uploaded to the credit information system of the People's Bank of China, which is likely to affect the housing loan or credit loan and other issues, and a late fee will be charged at the same time. If it is before the second payment date, it will only be collected once, otherwise it will be collected twice, and the interest will be charged according to the compound interest of the current arrears! At this time, the bank will generally remind large customers, that is, the collector of the collection department of the credit card center calls to remind the repayment! Some banks don't charge money during this period, in order to earn more late fees and interest.

M2 period is the continuation of M 1, that is, between the third billing date and the last payment date of the third bill, the credit record of the banking industry will be stained, which will have a great impact on the loans and job hunting of larger enterprises in the future. A late fee will be charged. If it is before the third payment date, the second late payment fee will be charged. Otherwise triple, the interest will be compounded according to the current arrears! At this time, banks will generally use the method of urging repayment, and the relevant collection personnel will call to inform them of the impact of credit records, and they will contact relatives and friends of the debtor to help remind them of repayment. Some banks have a tough collection, and even some collectors pretend to be relevant lawyers to put pressure on debtors, but some banks have a lighter collection, so they only collect at this time!

Is it easy for the bank credit card collector?

Generally speaking, the credit card collector in the bank belongs to the credit control department of the bank and is mainly responsible for collecting overdue debts, which is less stressful and easier to do; As a collector of a professional collection company, it is difficult to collect and personal pressure is great, so it is difficult to make a difference.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

1. According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

2. According to different card issuers, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

3. According to the credit status of the cardholder, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

Credit cards can be divided into international cards and regional cards according to their different circulation ranges.

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

Is a credit card cashier a good job?

Nature of work: It can be cool to face customers, and you can vent freely when you are skilled \ r \ Facing leaders or pretending to be grandchildren. \ r \ Future: Any occupation is the same. If you do well, you will be promoted. The road of team leader, supervisor and manager is very difficult. \ r \ Usually you don't see them in the office, but they do exist in the company office. Sometimes you need to run outside. But I spend most of my time on the phone in the office. \ r \ nTo tell the truth, most people can't stand this job, but they can stand it, with mature minds and calm heads. When you face customers, you must be patient with their situation, so what you want to learn will be comprehensive. Including the application of credit card, the calculation method of interest, the harm of overdue, and the way and method of repayment. \ r \ The short answer is to get the money back. The process is very challenging, and you need to bring all aspects into play. You need not only professional answers, but also a grasp of people's psychology. Some people have money, but they should not pay it back. At this time, you must also find a way. You don't have to be a big shot to do this job well, but you need someone with a strong heart, especially some cases of door-to-door collection or fraud. It can exercise your strong heart. Being drenched with red oil and intimidation on TV is a bit exaggerated, but there are also many. ) \ r \ nIn short, I see that many colleagues who collect money are married, mature and have good performance. That time was very difficult. The average salary is around 8000 (just my previous reference). So, you can really do it.

This concludes the introduction of credit card reminder and dunning. I wonder if you found the information you need from it?