信用卡 文案 信用卡宣传文章怎么写

信用卡 文案 信用卡宣传文章怎么写

本篇文章给大家谈谈信用卡宣传文章怎么写，以及信用卡 文案对应的知识点，希望对各位有所帮助，不要忘了收藏本站喔。办理pos机添加微信18127011016

信用卡营销相关的英文文章

信用卡作为银行零售业务的核心，受到国内各家银行的高度关注。同时，小小的塑料卡片也是银行服务和品牌的代言人，因为它是赋予银行无形服务有形化的最佳形式，也是树立鲜明个性、区别于其它品牌标识的重要载体。

营销就如一场长跑，必须正确辩明方向才能成功抵达终点，没有方向的努力将付诸东流，信用卡营销亦然。综观当前信用卡营销，感觉其正是犹如在迷雾中前行，很努力但没有方向，正在陷入迷途中。

迷途一：不计效果攀比推广费用

广发卡在2002年8~9月份，在北京、上海、广州等城市所有的地铁、公交车、灯箱等一个月就投放了近千万广告费用。广告创意根据国外一则广告进行“改编”而成，用了一系列幽默的画面以期引起消费者的注意。

而紧随其后的深圳发展银行的发展卡也于此时正式发行，并展开系列而迅猛的攻势，据央视研究中心提供给我们的检测数据表明，其12月份的软文及平面广告费用就超过2000万，2003年初则更是花了200多万元拍摄了大手笔的广告片在电视媒体上投放，2003年8月份，其在深圳举行了“深发展信用卡之夜”商业演唱会，据说深圳发展银行赞助这场演唱会的目的是为了拉拢时尚一族，持有门票的人在申请信用卡时可以免去首年年费。与之形成鲜明对比的是，工商银行牡丹信用卡不仅不收年费，而且还赠送一份保险，申领时还可以免费获赠一部市价5000元的高档手机；建设银行的龙卡信用卡刚刚发行就免收第一年的年费。

在中央电视台、凤凰卫视，招商银行的信用卡广告从2003年初就一直轰炸到现在……

大家都在争向增加投入，仿佛谁投入越大，谁就是最大的赢家。

可真实的情况好象并不那么妙，或许，我们走访了上海、北京、广州、郑州、重庆后得到的消费者对于各银行信用卡的认知状况能说明问题：

“我觉得每个银行的信用卡都差不多，很难去选择，办谁的都一样。”

天啊，投放了自以为巨大的广告费用，得到的结论竟然是这样！我们所服务银行的主管觉得不可思议：难道一点品牌拉力都没有？那不等于瞎猫逮耗子，找到客户也只是凭运气？

迷途二：过度促销

细心的顾客只要稍微一留意，就会发现，信用卡的营销推广已经无处不在。走在大街上你是不是经常看到一张桌子，两个人，一个太阳伞，还有一大批申请表？没错，这就是一些信用卡的最基本的当街拦截推广；假如你住在一些高档小区，放心吧，你的信箱里总是有一些信用卡的介绍和申请表会塞进来，还可以免费上门服务呢？如果你是外企员工那就更惨了，你还会经常受到上门热情服务的“骚扰”，再假如你现在已经是企业的主管级别或以上了，那放心吧，你肯定经常接到一些“甜美的电话”，问你是否需要她们的信用卡；或者你更幸运，你已经有车，并经常打高尔夫，那你就尽情享受“最优惠待遇”吧，信用卡的促销人员可以说见缝插针，寻找任何机会“诱惑”你（招商银行的马蔚华就曾经告诉其部下，你们只要每天守在高尔夫球场或门口，把打高尔夫的这一批人“说服”用我们招行的信用卡，那就是一个非常大的市场）。又或者你去银行办理业务，柜台小姐总是不忘给你一个信用卡申请表让你参考一下……

有人说，现在卖信用卡的比推销保险的都厉害，简直是无孔不入。现在我们公司的门上除了注明“谢绝推销”之外，还应该再加一句“银行也不例外”，因为太多的前台被对方一句“我们是银行的，找你们主管有事”而蒙骗。

为了推销而推销，死缠烂打，已使得许多目标客户厌烦，这样的手段多样化和“立体攻势”是否有效果，各银行信用卡负责人应该反省一下。

迷途三：只计数量不顾质量

有数据表明，中国消费者的持卡数量虽然超过5亿6000万张，但其中借记卡5亿4000万张，准贷记卡2000万张，真正具有“先消费后还款”功能的信用卡却只有800万张，而且真正存活的信用卡，并经常使用的更是只有200多万张。也就是说，虽然许多银行的发卡量已经完成了销售任务，但因为一些促销政策的原因如不收年费，使得许多消费者抱着“不办白不办“的心态办了卡，却扔在了角落。据我们的调查显示，现在一些居民平均每人至少3~8张卡，但真正经常使用的只有一张或两张，并且更多的是借记卡或者储蓄卡。

造成以上状况的可能原因有二：

一是众多信用卡发行的对象选错；

二是鼓励持卡人“先消费后还款”的举措还不到位。

繁荣的背后，发卡行背后的酸楚只有他们自己清楚。

这也是为什么虽然各银行信用卡发卡数量猛增，但2002年和2003年，VISA国际组织还是将“市场创新奖”和“最佳贷记卡成长奖”颁给了广发行的原因。根据VISA的数据表明，在真正使用的国内信用卡中，广发卡占据了近80%的市场份额。

总结一下信用卡的推广方式和手段，发现有如下特点：

1、 产品同质化但仍然乐此不疲。每个银行都说自己的用卡环境好，刷卡方便，服务好，国际通用等。

2、产品同质化推广也同质化。为了吸引更多的准目标客户，各银行信用卡几乎都在年费和促销力度上做尽了文章。很多银行才刚刚开始发行信用卡就已经开始打价格战，最典型的就是不收年费。虽然各家银行的信用卡年费从100元到300元不等，但很多银行已经放弃掉了信用卡的这一利润来源；招行宣布只要开卡就送Swatch手表；工商银行牡丹信用卡不仅不收年费，而且还赠送一份保险，申领时还可以免费获赠一部市价5000元的高档手机；建设银行的龙卡信用卡刚刚发行就免收第一年的年费。

3、跟风现象严重。由于银行信用卡产品的复制速度非常快，你推出一个“国航卡”，我就推出一个“南航卡”，你推出一个针对女性的“真情卡”，我就发明一个“丽人卡”；招行信用卡负责人彭千认为最快推出业务的并一定能够获得先发优势，还有可能成为先烈。

我们认为，以上都基本属于由内而外的一种思考方式，即不顾及目标顾客的需求和感受，先“发明或跟风”一种产品，再通过比竞争对手“更加努力”的推广来赢得顾客。 这样做的结果可能是你要花费比竞争对手更多的成本，但通常只能收获小的可怜的收益。

这不是危言耸听，无数的案例和理论已经证明了这一点，方向错误的努力必将白费。

我们认为，以往由内而外，主观的、忽略消费者需求和认知的实力宣扬式的宣传方式已经不适应现在的市场竞争环境；竞争品牌越来越多，产品同质化，大家都诉求和夸大自己的实力，消费者已经不知如何选择；而根据消费者的需求或现有认知状况进行企业的定位则是新的市场环境下新的制胜法则。

Credit card as the bank’s core retail business, domestic individual banks by the high degree of concern. At the same time, small plastic cards is also banking services, and brand spokesman, because it is invisible to the banking services of the best form of physical, but also a distinctive, different from the other brand of major carriers.

Marketing as a long-distance run, we need to correctly identify the direction can be successful in the end, no direction of the efforts will be in vain, credit card marketing亦然. Looking at the current credit card marketing, it is like the feeling of the fog ahead, very hard but without direction, is in a Lost.

Lost 1: Excluding results comparisons promotion expenses

- Card issuers in August 2002 to September in Beijing, Shanghai, Guangzhou, and other cities all the subway, bus, light box, and so put in a month of nearly 10 million cost of advertising. According to foreign advertising creative advertising an “adaptation” from using a series of humorous images with a view to arouse the attention of consumers.

And followed by the development of the Shenzhen Development Bank cards issued at this juncture official, has started a series of rapid offensive, according to CCTV Research Center to provide our inspection data showed that the December soft text and graphic advertising on the more than 20 million, even early 2003 is more than 200 million spent filming a masterpiece of television commercials in the media dropped, in August 2003, held in Shenzhen “Shenzhen Development Credit Card Night” concert business, said Shenzhen Development Bank sponsored the concert is intended to draw fashionable owners, ticket holders who apply for credit cards in the first year could be dismissed from the charges. By way of contrast, the Industrial and Commercial Bank of peony not only do not accept credit card charges, but also presented an insurance claim can also receive free of charge a premium price of 5,000 yuan phone; the bank’s credit card just Brunca issued on the first year of the annual fee waived.

Central Television, Phoenix Satellite Television, China Merchants Bank’s credit card advertising from the beginning of 2003 until now has been bombing……

Everyone in seeking to increase investment, the greater the input seems Who Who is the biggest winner.

Seems to be the real situation is not that Miao, perhaps, we visited Shanghai, Beijing, Guangzhou, Zhengzhou, Chongqing get consumers to the bank credit cards cognitive status can be best illustrated by:

“I think each bank’s credit card are similar, it is difficult to choose, and who do the same.”

God, since that put enormous cost of advertising, has come to the conclusion this is! We feel that the competent services of the bank inconceivable: Is that brand did not rally? That does not mean blind cat arrest mice, only to find customers with luck?

Lost 2: excessive promotions

Careful attention to a slightly customers, we will find that credit card marketing has been everywhere. Walking down the street you see is not always a table, two people, a sun umbrella, there are a large number of applications? Yes, this is some of the most basic credit card promotion streets interception If you live in a number of high-grade area, secure it, your mail, there are always credit cards and application forms will be introduced into the past, can also be free on-site service ? If you are a foreign enterprise employees it even worse, and you will always be home warm service “harassment,” and then if you now is in charge of enterprise-level or above, rest assured that it, you certainly often receive some “sweet phone, “Do you need to ask their credit card or even your lucky, you have a car, and often play golf, then you enjoy the” most favoured treatment “bar, credit card promotions Jianfengchazhen staff can be said to look for any opportunity “temptation” You (China Merchants Bank Ma Weihua, has told his subordinates, as long as you observe a day on a golf course or in front of the golf this group of people “persuasion” to use our credit card bills, which is a very large the market). Or you to bank business, counters not forget Miss always give you a credit card application forms let you make reference to……

Some people say that now sell credit cards than sell insurance are formidable, it is all-pervasive. Now we are in addition to the door marked “Absolutely no marketing”, should also be coupled with a “bank is no exception.” Because too many other prospects was a “We are banks, to find something for you” and deceive.

In order to promote the marketing, Sichanlanda, which have resulted in many target customers tired of this means of diversification and the “three-dimensional offensive,” whether there is a result, banks should be responsible for the credit card reflect on.

Lost 3: regardless of the number of quality only

Data show that China’s consumer cardholders Although more than 500 million 60 million, but 500 million of them debit cards 40 million, 20 million prospective credit, truly “first post-consumer repayment” of the credit card function only 8 million, and the survival of genuine credit cards, and is frequently used by only 10,000 over 200. In other words, although many of the card-issuing bank has completed the sale task, but because of some reasons, such as promotion policy, do not accept fees, leaving many consumers to “do not do not do white” mentality organized cards, but throwing in the corner. According to our investigations revealed that some residents now an average of at least 3 to 8 cards, but the real frequently used by only one or two, and more of a savings card or debit card.

More than likely caused the situation for two reasons:

First, many credit card issuers chosen the wrong target;

Second is to encourage cardholders “first post-consumer repayment” initiatives are not yet in place.

Behind the prosperity, issuers of bitterness behind only their own clear.

This is why although the number of credit card issuers, banks soared, but in 2002 and 2003, VISA international organizations or to “market Innovation Award” and “Best credit growth Award” went to the wide distribution reasons. According to VISA data show that the real use in the domestic credit card, the card issuer-occupy nearly 80 per cent of the market share.

Summing up the promotion of credit cards ways and means found that the following characteristics:

1, homogeneity of products but still enthusiastic. Each bank cards that use their own environment, VISA convenience, good service, such as the internationally popular.

2, the promotion of the same products also homogenization. In order to attract more prospective target customers, almost all the banks in the credit card fees and promotional efforts to do to the article. Many banks issue credit cards has only just begun has already begun on price, is not the most typical or annual fee. While each bank’s credit card charges from 100 yuan to 300 yuan range, but many banks have abandoned the lost credit card this source of profits; strokes Bank announced a card as long as the puppy Swatch watches; ICBC Peony not only do not accept credit cards annual fee, but also presented an insurance claim can also receive free of charge a premium price of 5,000 yuan phone; Brunca the bank’s credit card on the just-released annual fee waived the first year.

3, follow suit was a serious problem. Bank credit card products as a copy very quickly, you launched a “Air cards”, I launched a “China Southern Airlines card,” you against women launched a “love cards”, I invented a “Beauty card”; strokes Bank credit card for Peng 1000 that the fastest launch business and will be able to obtain first-mover advantage, but also may become martyrs.

We believe that the above are from the outside are basically a way of thinking, that is, and regardless of the target customer needs and feelings, to “follow suit or invention” of a product, and through the competitors to “make more efforts” to win promotion customers. To do so may result in you have to spend more than the cost of our competitors, but usually only the poor harvest small gains.

This is not alarmist talk, countless cases and theory has proven this point, the effort will certainly wrong direction in vain.

We believe that in the past from outside, subjective, and ignored consumer demand and promote awareness of the strength of the advocacy no longer meet current market competitive environment more competitive brands, product homogeneity, and we all demand exaggerate their strength, I do not know how consumers have choice and according to consumer demand or cognitive status of the existing enterprises positioning is the new market environment under the new rules to win.

一篇关于信用卡的英文文章

Credit Card Cash Advance Pitfalls

Credit card cash advances can provide consumers with convenient and instant access to “cold cash” in times of financial need, but cash advances should be avoided if at all possible. Informed consumers realize that cash advances are typically accompanied by fees and exorbitant interest rates (there is also no grace periodfor cash advances). Moreover, cash advances can be a major stumbling block for consumers seeking debt relief. We hope the following tips help consumers avoid the pitfalls associated with cash advances.

* Fees for cash advances vary, but fees can be very costly. Fees are computed using two calculation methods. Many card issuers calculate fees on a percentage basis, which typically ranges from 1% to 4%. Other issuers charge “flat fees” for advances. “Flat fees” are not based on the amount of the advance and, therefore, are always the same.

An increasing trend is to combine both calculation methods. Combining calculation methods results in higher cash advance fees. An example of this would be an issuer that charges x% for an advance, but charges a minimum of \(10 regardless of the amount of the advance. Another example would be an issuer that charges x% for an advance or \)20, whichever is greater. Read the terms of your card agreement carefully. Fee calculation can get tricky.

A few issuers do not charge any fees at all. This is very rare, though.

Finally, if you must get an advance, avoid using ATM machines. ATMs charge an additional fee for advances. This fee is charged by the financial institution that owns the ATM.

* Often the greatest potential pitfall for consumers who decide to get a cash advance involves finance or interest charges. The interest rate for cash advances is often several points higher than the normal purchase interest rate (the rate that is associated with everyday card purchases). Cash advance rates normally range from 20% to 25%. In contrast, the average purchase rate for a standard credit card ranges from 15.88% to 17.30% according to. However, a few issuers charge the same rate for both purchases and cash advances “Low Rate Report” for more info).

Other finance charge pitfalls involve grace periods and the payment method that a card issuer utilizes. Cash advances begin accruing interest immediately and, therefore, are not subject to a grace period. Thus, even if you pay your card balance in full when your bill arrives, you will still be accessed a finance charge for any advances.

A similar pitfall involves the manner in which payments are applied to your account. Most issuers apply payments to card purchases before they apply payments to cash advances (i.e. payments are first applied to purchases). If you carry a balance on your card, this can result in your a dramatic increase in your finance charges and overall interest rate.

* Please be aware that any “credit card checks” that you receive in the mail are usually treated as cash advances! Card issuers often tout such checks as an easy way to pay off the bill of your choice or to acquire some extra spending money. While using a check may be convenient, it can be extremely costly. Many balance transfers are also treated as cash advances.

* Dependency on cash advances can be an outward sign of serious debt problems. Consumers that regularly rely on advances to “make ends meet” urgently need debt counseling. Cash advances are so tempting that some cardholders fall victim to the “cash advance trap” and find themselves caught in a vicious cycle. If this statement applies to you or someone you know, please consult CardRating.com’s “Get Debt Relief” section for a list of helpful resources

如何写一篇关于信用卡在生活中的重要性的英语作文

The Advantages and Disadvantages of Credit Card

关于信用卡优缺点

Personal credit cards are becoming more common in China.Banks and other financial institutions are encouraging their customers to change the way they buy things.Credit cards, known as “plastic money”, are being offered on very good terms to encourage the change.Consumers will be able to “buy now, pay later”, and many see this as an advantage.

个人信用卡在中国变得越来越普遍。银行和其他金融机构都鼓励他们的客户改变买东西的方式。信用卡，称为“塑料钱”，正在提供非常良好的条件来鼓励改变。消费者将能够享受“先购买，后付款”，很多人认为这是一个优势。

But people need to be careful.There are dangers associated with credit cards.Some people find it very easy to exceed their budget.They are tempted to purchase goods that they do not really need, and can become quickly overburdened by debt.The credit cards often charge a high rate of interest, which exacerbates the problems for these people.

但人们要小心。信用卡伴随危险。有些人发现很容易超过自己的预算。他们试图购买他们并不真正需要的商品，并迅速由于债务负担过重。信用卡往往收取较高的利率，这加剧了这些问题。

However, used wisely credit cards can improve the quality of people’s lives.They can give people access to money to meet sudden unplanned expenses.Properly handled, they can let people control their expenditure and the monthly statements provide a record of where their money has gone.

但是，理性的使用信用卡可以提高人们的生活质量。他们可以得到钱来付突然的，意料之外的费用。处理得当，它们可以让人们控制他们每月的支出和记录下他们的每个月所花的钱的报表。

关于信用卡宣传文章怎么写和信用卡 文案的介绍到此就结束了，不知道你从中找到你需要的信息了吗 ？如果你还想了解更多这方面的信息，记得收藏关注本站。办理pos机添加微信18127011016