PERSONAL CARDS
What is the main benefit most personal cards offer?
Cashback or rewards
Name one example of a “business”
Selling online / babysitting / freelance / construction / restaurant owner
Name one benefit of a credit card
Cashback / rewards / points
What is the biggest mistake when offering credit cards?
Not offering
Which sounds better:
A) Do you want a credit card?
B) You’re prequalified for rewards, do you have a minute for me to share with you what cards you're qualified for?
ANSWER B
True or False: You should skip offering if they already have a credit card
FALSE
Why would a business customer want a separate card?
Track expenses / keep personal & business separate
Who decides if the card is right — you or the customer?
THE CUSTOMER
When can you say APR or APY to a client?
AFTER you have said annual percentage rate or annual percentage yield
How much is the late fee?
$41
How much is the late fee?
$41
A customer says, “I already earn rewards on my debit card.”
What makes a credit card benefit still worth mentioning?
Usually higher rewards / broader earning / more value on purchases / more protection / banks money if fraud
You skip offering a prescreen because the customer seems rushed — what’s the actual loss?
A missed opportunity (they may have said yes to a quick offer), prescreen takes under 2 minutes to complete and submit
What happens to rewards if a customer returns a purchase?
Rewards are typically reversed
Why might a business card impact personal credit even though it’s for a business?
The account is often backed by the owner’s credit