Banking Services Workers

How to become a Credit Card Services Officer

Official Chinese title (2022 occupational classification): 银行信用卡业务员

Runs credit card lending and deposit business and provides related services.

Main tasks

Growing agency business for overseas credit cards, widening where renminbi credit cards can be used, and designing new card products
Planning and carrying out buying and printing of card terminals and cards, and managing terminals and vouchers
Signing up cardholders, checking the credit of applicants and guarantors and opening accounts and issuing cards
Signing up merchants, crediting their accounts and settling funds with card issuing banks
Handling cash deposits and withdrawals on cards, clearing large spending in other cities and sending out statements
Authorising and controlling credit for cardholders, merchants and cash withdrawal outlets
Handling lost card reports and replacements and replacing expired, dirty or damaged cards
Handling overdue cards and recovering stopped, fake and fraudulently used cards
Confirming, reporting and receiving stop lists and notifying acquiring banks, merchants and cash outlets
Closing credit card accounts

Pay · AI and this job

Median pay in China: CN¥131,200 a year (2025).
Middle half: CN¥87,300 to CN¥189,200. One in ten earn less than CN¥57,600 and one in ten more than CN¥274,300.
This is the figure for the mid group Financial Services Workers, not for this job alone.
National figure: wage prices of enterprise employees from the Ministry of Human Resources and Social Security (MOHRSS) enterprise pay survey. The public sector and the self-employed are not covered.
Guangzhou only: median CN¥156,078 a year (2025), middle half CN¥109,271 to CN¥233,247.
This is the figure for the mid group Financial Services Workers, not for this job alone.
Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.

Who does this work

The census group Financial Services Workers holds 0.74% of everyone employed in China; 54.3% of its workers are women (2020 Census).
51.7% are under 35, 44.1% are 35 to 54 and 4.2% are 55 or older. The middle age band is 30 to 34.
Census figures for the whole mid group (2020 long-form sample), not for this job alone.

Questions people ask

How much does a Credit Card Services Officer earn in China?

Across China, the median pay of enterprise employees is CN¥131,200 a year (Ministry of Human Resources and Social Security (MOHRSS), 2025). The public sector and the self-employed are not covered. It is the figure for the mid group Financial Services Workers. In Guangzhou alone it is CN¥156,078 a year (2025).

Will AI change the work of a Credit Card Services Officer?

Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.

Sources

Ministry of Human Resources and Social Security (MOHRSS): 2025 enterprise pay survey information: wage prices of enterprise employees by occupation mid group, and digital occupations (P10 to P90 annual CNY) (2025 (published 2026-07-08)), retrieved 5 October 2026
Guangzhou Human Resources and Social Security Bureau: Guangzhou 2025 labour market wage prices (P10 to P90 annual CNY by occupation) (2025 (enterprise pay survey)), retrieved 4 October 2026
National Bureau of Statistics of China: China Population Census Yearbook 2020, long-form tables 4-6 and 4-7 (employed by occupation mid group, sex, age) (2020 Census long form (10% sample)), retrieved 4 October 2026
International Labour Organization, Generative AI and Jobs: A Refined Global Index of Occupational Exposure (ILO Working Paper 140, Gmyrek et al.) (ILO Working Paper 140, May 2025, Annex Table A1), CC BY 4.0, retrieved 4 October 2026

Sources: Occupational Classification of the People's Republic of China (2022 edition, public consultation draft), Ministry of Human Resources and Social Security, State Administration for Market Regulation and National Bureau of Statistics; Ministry of Human Resources and Social Security, 2025 enterprise pay survey information; Guangzhou Human Resources and Social Security Bureau, 2025 labour market wage prices; National Bureau of Statistics of China (www.stats.gov.cn), 2020 Population Census yearbook; Ministry of Education, vocational education major profiles (2022 revision) and undergraduate major catalogue (2025); Ministry of Human Resources and Social Security, national vocational qualifications catalogue (2021); O*NET interest scores (CC BY 4.0); ILO global generative AI exposure index (CC BY 4.0). Figures processed by Peernovo. English text, translations and the matching of occupations to ISCO-08, majors, degree fields and qualifications by Peernovo.

Descriptions and tasks are Peernovo's own words, written from the facts in the Occupational Classification of the People's Republic of China (2022 edition). Job titles and work types are the classification's own.

Updated 5 October 2026