How to sell a credit card

I've been working as a part timer in a bank for almost two years now. I've been familiar with the market, economical ups and downs and smart financial choices. However, the only thing i see myself lacking is the ability to market and sell certain products, or in another words, drag the customer to me in order to benefit the bank and earn a praise from my boss.

When i first joined my job, i wasn't familiar with what's going on with the whole business field and what the customer needed and what not. Ironically, in that period of training i was selling enormous amount of cards. I was a top seller!

Now after two years of which i should supposedly remain ascending that throne of glory, I'm descending.

Now, i get a praise my boss if i sold one or two!

Anyhow, I've asked my boss to hook me up with credit cards training sessions and listen to my top selling co-workers calls in order to get inspired and be refreshed in skills. Sadly, there hasn't been that much of an improvement.

That's why i decided to hit the target directly for deep and direct analysis; that is, YOU, the customer.

I've always called on behalf of the bank and elaborated on the bank's point of view, neglecting what the customer needed or wanted. Now I think the time has come for me to speak on behalf of the customer and his/her point of view.

Now let's imagine the following:

You are the customer, and you have just received a phone call from me regarding a credit card.

• How would you want me to market the card?
• What do you want/need to hear that might change your mind and get it?
• If i told you that the Central Bank has lowered the interest rate would that interest you?
• If i informed you that it's free from superscription for the first year, and you'll have the chance to cancel it via the phone free from any charges if you didn't like it, would that still interest you?
• The card will enable you to benefited from sales and promotions from major outlets, is that a turn on for you?

Alot of customers would refuse it because it once made them bankrupt at the end of the month and placed them in debts. But if i offered you a card with a small limit and directed you with the perfect way of using it without getting in financial trouble, will that encourage you to take it?

Even if you don't need it, tell me how can i change your mind, because alot of customers tell me they don't need it and they have plenty of money and so on. Tell me your suggestions, your turn offs and turn ons.

I really need your honest and true feedback about this matter. Please do take this seriously and spare me the whole "i don't use credit cards" "el dain 3mat 3ain" and what not stuff.
Tell me what do you want to hear that would change your mind and take it with consent.

And wish me and Sewalef a happy selling, we do need it