In the eyes of many people, banks probably only have the function of collection, but they don't care about credit card users, but this is not the case; Banks still attach great importance to the maintenance of credit card users with good reputation, because these users can increase the activity of banks by using credit cards themselves, and these users will not default, which can create better consumption data for banks. From the condolence ceremony in Lin Caiyi, we can also find that banks still take care of their credit card users, which is also a manifestation of safeguarding the interests of commercial banks.
Lin Caiyi said that his monthly credit card bill was 1 1.4 yuan, which was comforted by the bank.
Economist Lin Caiyi has been isolated in Shanghai for more than two months. Due to the change of his online consumption structure, the monthly credit card bill is only 1 1.4 yuan. Due to the sharp drop in credit card consumption, the bank's private consultant expressed condolences to him and asked if Lin Caiyi had any financial difficulties. However, in fact, this is definitely not the case. This is only because the consumption of economists has changed. In fact, during the isolation period, many living materials need to be snapped up, which may not be paid by credit card. This does not mean that consumption has disappeared.
Reasons for bank condolence: safeguard customers and ensure the profits of commercial banks.
Lin Caiyi, an economist, used to have many consumer bills, and he was also a big customer of a commercial bank. Now his consumption has plummeted, which is obviously abnormal. Commercial banks attach great importance to the maintenance of high-quality users, who are also a key point to provide active volume for commercial banks. Now the consumption bill in Lin Caiyi has dropped sharply, which naturally makes commercial banks wonder whether users have switched to other banks, and naturally they will call to express their condolences.