no strangers to service the premium segment of the domestic market is the Russian Sberbank.Visa Gold his familiar issue in many countries.Potential VIP-Service palpable: the demand for gold cards exceeds their supply.However, we will lead it on the issue.How to increase up to six stars class domestic premium service?What should know the client before his purse lies credit card Visa Gold?
Savings Bank, the largest and most reliable players in the domestic financial market has long and systematically addresses these issues in practice.
So, a brief look at and make generalized conclusions regarding all one banking product palette of diverse public and commercial companies the Savings Bank - Visa Gold.Currently, banks issuing credit cards: Visa Gold, Visa Gold «Give life», Visa Gold «Aeroflot» with validity - 3 years.These "bound" ruble account.Loan percentage - 17.9% - 23%, is expected grace period - 50 days.Annual service fee - 3500 rubles per year.Commission for cash - 3%.
Visa Gold «Aeroflot» implies accrual of bonus miles.The calculation is as follows: 1000 miles - a bonus when you open the card, plus 1.5 miles for every spent dollar / euro or 30 rubles.Each card Visa Gold «Give Life" carries the noble task - financed by the eponymous charitable foundation.
Unfortunately, the media are not unique evidence that modern methods of work of banks in the premium segment of the domestic market, "crude".VIP- service, unfortunately, is often held in the system, and the enthusiasm of the performers, the main thing - a plan.Bankers know that retail business is often carried out by untrained "planned attack" on the premium segment, accompanied by an abundant issue of cards ... What is the cause undue attention to the mass of exclusivity?The Iron Curtain, 80 years to break the bonds of continuity, deprived us of the understanding of price segments.This applies, in particular, and customers.For example, gold cards, which emits Savings - Visa Gold, - is often still considered wealthy individual with significant deposits on the criteria of "classic".Although in this product is the most important principle of exclusive offers person having a certain social status.
To some extent public mission to educate clients in these consumer culture, performing Sberbank.Visa Gold - one of these "educational" products.In Russia, the concept of "premium-class" is interpreted not genealogically, as in Europe, it is associated with high quality services and individual approach to the client.Therefore potential customers is another category of the population has a lower state, but this card is able to serve profitably.These people are fundamental, are able to earn and count their money meticulously interested in all the details of service and rates of bank Sberbank.They calculate their turnover, and in the case of the annual excess of the equivalent of $ 6,000, trying to get a gold card at a reduced rate plan, leveraging the benefits of tariff Visa Gold.
Savings Bank, to provide customers with "gold card", it also provides benefits unaccounted for in the tariffs.Judge for yourself: in American airports, hotels, when renting vehicles, taking care of their health and rest, you will get the real additional benefits.In addition, the premium class includes, if necessary, at any time consultant "Call a Friend" from the concierge service, ready to help with reservations and ticketing as well as helping "razrulit" disputes.
On the other hand, I would like to raise the issue of improving the quality, professionalism of the staff of the Savings Bank, serving the VIP-clients.After all, in the premium segment of the situation when all three - seven customers bring to separate the largest banking income.Experience shows that when servicing cards Visa Gold, is likely to be important not aggressive advertising campaign, and the principle of exclusivity.
