Rebirth 79: I opened a bank in the United States

Chapter 317 The prototype of a big bank
"Carter, it's time to eat! It will be cold if you don't eat any more, and there are still many dishes to come. You won't let this dinner last until ten o'clock, will you?"

Reaching out and knocking on the table in front of Carter, Jenny looked at her son who had been in a daze and reminded.

"Ah, okay, you guys eat first! Wait for me for a while."

Leaving a word, put down the wine glass, and Carter walked to the bar.

"Sorry to bother you both. I seem to have heard you guys arguing about the credit card, right?"

"boss?!"

"Mr. Black, my situation here is special, it's not that I don't want to support your business. Really"

Carter who suddenly interrupted the conversation made the two of them instantly embarrassed.For Greta, being seen by her boss in embarrassment in handling business is always disturbing, and it is inevitable to worry that the boss will think that she is not capable of working because of this; for Richard, on the one hand, Carter is My client, the future, no, it is supposed to be one of Douglas' most distinguished guests now.Offend it, no, don't offend it, this credit card.
"I understand, I completely understand. Mr. Richard's concern is that the opening of the credit card payment channel will make the restaurant not upscale enough. I am worried that it will damage Aurora's image in the hearts of the guests, right?"

Carter smiled and waved his hand, signaling the other party to listen to him first.Then he sat down on the stool by the bar counter as if he was familiar with it, and continued to explain:
"This problem is actually not difficult to solve. As long as we strictly control the scope of card issuance so that only genuinely qualified guests can get our cards, then the nature of our cards will quietly change."

"It will no longer be an ordinary credit certificate that can only be used for excessive consumption. It is also a symbol of high-end status. Then the restaurants that can serve these distinguished guests at that time will be lowered. ?"

"At that time, it will not be our card that lowers the grade of Mr. Richard, your Aurora Restaurant, but your restaurant will lower the image of our card! You don't deny this, do you?"

American Express Centurion Black Card, this name has a high rate of appearances in future online novels!

Carter didn't know whether the black card VIP hotline of American Express had been opened these days, but he understood the logic.Without considering the operation, it is natural to talk about the theory.

"Of course, if that's the case, then I won't refuse, and I will even take the initiative to come to you to ask for a special merchant license."

Richard didn't finish his sentence, but he had already finished it.

The second half is nothing more than: But your credit card is not yet of that grade, and it is not yet a status symbol sought after by everyone.Is it too early for you, Carter, to stick green onions in my pig's nose? !

"Okay, that's enough! Greta, go home and eat first. I'll deal with the credit card issue later."

After laughing and letting Greta go home first, Carter returned to his seat
"What happened just now? That girl seems to be from our bank?"

"It's nothing, it's a new business. It's just a little resistance in this small place, let's eat!"

Giving his family a reassuring look, Carter thought about credit card-related issues while eating.

He found that his way of thinking seemed to be a little wrong. In this Douglas, who had not formed the habit of spending on credit cards, nor did he have such an atmosphere.The expected method of first going to the ground, signing merchants, and then launching credit cards seems to be a bit unworkable.
Ordinary businesses are easy to talk about, but when faced with a restaurant like Aurora, which is halfway up and down, it will be a little troublesome.

For one thing, the restaurant represented a high-spending locale in Douglas.The people who can enter their shop are undoubtedly the best local customers for credit cards.

They have money, even if they are temporarily embarrassed, their future income is not clear.But their stable income ability is definitely much higher than that of ordinary people. After credit cards are issued to them, there will be few problems such as bad debts.

Second, compared with ordinary people, the credit line that can be opened to this group of people, as well as their own expenses, are also more, and the utilization rate of the credit line is higher.

But if you want to sell credit cards to them, you must first allow places that meet their consumption habits to support credit card settlement, right?As a result, these local places that have not done credit card settlement
Carter almost ignored that he was in the conservative American South.This is not the hometown of Diners Club, American Express, or even the birthplace of Visa and MasterCard, the new generation of card organizations.In the United States, the North and the West Coast are the areas where credit cards are most widely used. In the barren southeast of the United States, people don't know much about credit cards.

In addition to these of my own bank, the tellers who became monks and transformed into credit card business halfway.I used to be a high-ranking bank loan approver, maybe I am used to it, and I am not very down-to-earth.It seems that many people do not have enough money now, and our bank provides you with a quick loan certificate. It is you who thank us, how can you not?

In this way, the concepts of the two sides are not on the same line at all.To solve the problem of conservative merchants, as Carter just said, we must first solve the customer problem. When the overall level of cardholders is high, then naturally there will be no merchants who feel that the consumption in advance is doubting the customer's ability to pay.
To improve the overall grade of cardholders, it is not difficult to talk about theory alone.Engage in the so-called VIP line, personal connection, VIP treatment and so on.It's not a big problem to move over to do things that are commonplace in the future. If it's a big deal, just spend money on it.
At a time when local merchants didn't accept credit cards, Carter tried to look elsewhere.With the help of the channels organized by MasterCard, see if you can get in touch with some high-end merchants, and then sign some cooperation agreements.Even if you pay a little in the early stage, the profits from the credit card will be used to subsidize the merchants.

Carter felt that as long as the grade of the credit card is improved, it can even be made into a brand.Then not only do you not have to worry about the revenue of the credit card business in the future, it may even become a big signboard of the bank, highlighting the grade of your own bank from the side, giving people an impression of strength.

At present, there are 4 banks under its banner, and in the future there will be two or three banks near Argyll that Carter is targeting.If the merger goes well, within a few years, the number of banks under its own will reach 6 to 7.

At that time, the unification and standardization of banks will also need to be put on the agenda.

A bank that has spread all over the world, and a credit card brand that has signed contracts with major high-end service providers.
The embryonic form of a big bank seems to be there!

　I drank two bottles of beer at noon, and my head hurts until now!The content is not very good, a bit ashamed, the update is too late.

　　I sincerely advise everyone who has the habit of staying up late, don't stay up late!

　　My work and rest have been messed up for a year. I used to have two cases of beer as a player, but now I feel like my head is going to explode if I don't get two bottles.Taking a hot bath, sleeping, and drinking water did not improve, it was too uncomfortable.
　　
　
(End of this chapter)