Search results

The Daycoval Bank Banco Daycoval offers corporate and personal services. Despite being a Midsize Bank headquartered in Brazil. The products (services) offered by Daycoval are Personal Banking and also for companies such as credit card, credit, investments, brokerage, bill collection, custody, among others. It is also well known as payroll loan and vehicle financing. It also operates with various insurance, such as health, sureties, fire for companies, and risk. The Bank has around 40 branches located in 18 states. Founded in 1968, with headquarters in São Paulo, it has approximately one thousand employees. It was created by Sasson Dayan, Ibrahim Dayan, Alberto Dayan. It is currently chaired by Salim Dayan since 2012. In terms of sales in the sector, it is a medium-sized bank, with an average annual net profit in the range of 200 million. Daycoval's Customer Service Channel is 0300 111 0500. The Customer Service Center also provides an option to service the hearing and/or speech impaired, you can use the number 0800 775 2005. Other Phones: SAC 0800 775 0500 SAC CREDIT CARDS 0800 880 6158 OMBUDSMAN 0800 777 0900 Page: www.daycoval.com.br CCB - Bank Credit Bill Simplified Registration Form Individual Portability Request Authorization for Payroll Discount Authorization for Payroll Loan Payment

O que é de fato o Cartão de Crédito Consignado ? É autorizar, "de forma irrevogável e irretratável, o desconto em folha de pagamento ou na sua remuneração disponível dos valores referentes ao pagamento de...cartões de crédito... " LEI Nº 13.172, DE 21 DE OUTUBRO DE 2015 . Entre outras palavras, é como se você renunciasse a parte do seu salário caso você use o Cartão de Crédito e, de alguma forma, falte o pagamento. É muito comum dos bancos usarem argumentos que são intrínsicos, ou seja, que são naturais do cartão de crédito consignado para convencê-lo de que se trata de um cartão muito mais vantajoso do que outros, quando, na verdade, tem suas vantagens e, as vezes, é muito mais desvantajosos que os demais cartões de crédito comuns. ANUIDADE Embora não seja expressa em lei, a cobrança de Anuidade seria algo descabível diante das características de garantias. A Saber, em caso de não pagamento, fica a empresa, no caso de empregado CLT obrigado a pagar, e, em caso de beneficiários de fundos oriundos do governo, o familiar. Veja mais > taxas mais juras que os cartões comuns Embora seja verdade, era mais do que obvio que que o juros seja menor, devido o risco que é quase zero. Ainda assim, o juros é alto comparado ao pequeno risco e também a taxa de juros do Empréstimo Consignado, que tem o mesmo risco. Veja mais > CARTÃO DE CRÉDITO INTERNACIONAL Esse argumento não cabe mais no momento em que vivemos. Até mesmo um cartão pré-pago que você compra na farmácia, você pode fazer uso internacinal. Veja mais > DESCONTO EM FOLha O desconto em folha é um benefício? Essa definição parte do próprio Cliente. Para alguns, pode ser uma segurança de sempre estar pagando o cartão. Contudo, nem sempre o desconto em folha é o total da fatura, fazendo-se com que o juros se alastre como bola de neve, no juros sobre juros. Contudo, sem dúvida é uma vantagem para o banco. Veja mais > Credit card utilities are visible on a daily basis. There are several options, debit, credit and also prepaid. But, the most advantageous is the Payroll Credit Card. Why? The Payroll Credit Card is the one in which the minimum amount of the invoice is deducted from the bank slip (monthly invoice). They come to have an interest rate five times lower than common cards. The Payroll Credit Card can be used both to make purchases and to make cash withdrawals (including 24-hour networks). Like the other cards, the customer (INSS server or beneficiary) according to his 5% margin receives a credit limit from the contracted bank to spend and divide his expenses. In this way, the amount is paid monthly to the bank by the institution to which the owner of the Payroll Credit Card receives his salary. Then, on the due date, the amount corresponding to 5% of the civil servant's salary or INSS benefit is automatically deducted from the INSS paycheck or statement to be deducted from purchases or withdrawals made. Let's assume that you have spent (purchases and withdrawals) in the amount of 5,000.00 and earn BRL 3,000.00 per month. Your Payroll Credit Card margin is R$3,000.00 X 5%. This margin represents R$ 150.00 in installments that can be discounted at most month to month. As you bought R$5,000.00 less the first month's discount of R$150.00, you will still have a debt of R$4,850.00. See below a video with a spreadsheet that explains how rebates work: The Payroll Credit Card is the one in which the minimum amount of the invoice is deducted monthly from the paycheck or INSS benefit. There is an additional 5% margin for it, in addition to the standard 30% of the Payroll Loan. The maximum nominal interest rate of the Payroll Credit Card has an average rate that is low compared to other cards, but it is 30 to 40% higher than that of the payroll loan. All information about Payroll Card Simulate now and enjoy!

What is portability? Credit portability was created by the BC (Central Bank) to promote greater competition among banks to practice lower interest rates for the customer. Portability is what was known as buying debt (almost extinct). The purchase of debt was based on the customer going to the bank of origin, which he made the loan, and requesting a slip for another bank to pay off (pay) the debt and make a new loan, normally with the same amount of installment and a rate of lower interest. However, banks made life difficult for the customer and created numerous processes and bureaucracy in order not to lose the customer to the competition. The BC (Central Bank) observing this abusive practice by banks, created a new method of buying debt, portability. Now, you no longer need to go to the bank where you made the loan to request the debit balance slip, just go to the new bank of your choice and enter your contract number and this new bank will create a portability request, that is, it will, through the Central Bank, request the outstanding balance of the client's loan from the bank he has a loan with and pay off this debt without needing a payment slip or even going to the bank. Everything is done through the computer and supervised by the Central Bank. Portability can only be done for an interest rate lower than the current one. So, BC (Central Bank) made customers always take advantage of portability. Many companies, without bad intentions, say that by carrying out a portability, the new bank will release money for the customer. Portability does not release any value. It is just the transfer of debt from one bank to another with a lower interest rate. What happens then when the client has carried out the portability and received an amount on his account? This means that he carried out two credit operations, one for portability and the other for refinancing based on portability. Button Portability is always more advantageous than a new contract. Because, you will have the guarantee that you will have a lower interest rate and so two things can happen: a smaller amount of installment or a larger amount released. However, many people, due to urgency, opt for refinancing, as it has a period for releasing the amount between three to five days. While portability can last between 20 and 30 runs. But, if you are not in a hurry and are patient, opt for portability, as you will have a greater gain. what is consigned, inss application, I lend cash to retirees, by disability retirement, inss phone,

What is a digital contract? The Digital Contract is currently accepted by 99% of banks. When you take out a loan, a refinance, a portability or a payroll credit card, you no longer need to sign papers and more papers. When the loan proposal (contract) is entered into the bank's system, instead of papers to sign, you will receive your contracts via SMS or Whatsapp and will be able to see all contracted options sent directly from the bank. If you agree, these messages will contain a link (address of a website or application) that will ask you if the information is correct and you will say yes or no. If so, the contract continues. If not, the contract is cancelled. If you continue with the contract, it will ask you to send your ID and other documents over the phone. And in the end, to make sure it's really you borrowing, he'll open his cell phone camera and take a live photo. It does not accept photos already taken. The photo has to be taken at the time to make sure that in front of the cell phone that confirmed the information is the loan holder. See below the sequence normally adopted by banks: Part 1 Part 2

WHAT TO MAKE CREDIT CONSCIOUS PERSONNEL? SEE THE RULES FIRST AND CHOOSE A CONSULTANT SPECIALIZED ON THE SUBJECT: MAKE PERSONAL CREDIT WITH THOSE UNDERSTAND: ROBERTO TAP THE PHOTO TO GO TO WHATSAPP

SELF-REGULATION PAYROLL CREDIT REGULATION: WHAT IS IT? The Self-Regulation of Payroll Loans came into effect on January 2, 2021, intends to make the offer of credit less harassed and for this, some rules were added. Due to these new measures, the great harassment by banks will come to an end. If you are a retiree or pensioner of the INSS (National Social Security Institute), this way you are aware of your rights and how to proceed. The Self-Regulation of Payroll Loans was created by FEBRABAN (Brazilian Federation of Banks). This was the name given to Self-Regulation for Payroll Loans and Payroll Credit Cards with payment made at the Customer's payment source, whose creators were FEBRABAN and ABBC (Brazilian Banking Association). In this way, banks can choose to participate in this self-regulation and start to give greater respect to customers of payroll-deductible products. On the other hand, customers can protect themselves, are less harassed and a new channel to assert their rights. Self-regulation has many principles, which you can see at this address: https://portal.febraban.org.br/noticia/3395/pt-br/ or by clicking here . These two links lead directly to Febraban's page on the Self-Regulation of Payroll Loans. Or, you can search the Febraban internet search engine and look for this matter on the FEDERAÇÃO BRASILEIRA DE BANCOS page. Here are the main goals of self-regulation, in summary: CREATION OF THE CONNECTION BLOCK AVAILABLE TO CONSUMERS WHO DO NOT WANT TO RECEIVE PAYROLL CREDIT OFFERS, DESIGNATED AS DO NOT DISTURB. CREATION OF THE DATABASE TO MONITORING COMPLAINTS RECEIVED FROM INADEQUATE CREDIT OFFERS. OTHER MEASURES THAT, IN GENERAL, AIM TO EXCLUDE OR REDUCE HARASSMENT FROM THE COMMERCIAL FORMAT AND QUALITY OF THE BANK CORRESPONDENTS. Do banks have to participate in this measure on a compulsory basis? No. Banks can join assuming a greater commitment to rights and transparency to customers. And those who take over, can revoke by requesting in a format governed by 15 days in advance. Which banks have already accepted this self-regulation, these are the banks that accepted the Self-Regulation of Payroll Loans: Agibank; Alpha Bank; Alpha Financial; Banrisul; Barigui Bank; Bradesco SA; Bradesco Financing; cetelem, Daycoval; Digio Bank; Bank of Brazil; Banco do Nordeste; Banco Estrela Mineira; Interbank, Itaú Unibanco; Payroll Itaú; Mercantile Bank; Financial Mercantile; Pan Bank; Safra Bank; Santander; BMG; Bank of Brasilia; BV Financial; CASHIER; CCB Brazil; Financial Fact; Olé Bonsucesso; Paraná Bank; and Sicredi. One of the major measures was the creation of the DON'T DISTURB registry, where customers can register and banks will monitor with their promoters and their respective agents the practice of harassing registered numbers. From time to time, banks update the registration so that all their "members" can download and include in their DATABASE. Follow the address of Do Not Disturbe: https://www.naomeperturbe.com.br/ . Or click here to go to the same address. AMTRUTH TEAM www.amtruth.com.br 0800 606 7070 (Whatsapp and Telephone)

RELATIONSHIP OF CITIES WITH PAYROLL LOAN LISTS Search for your city by clicking here or download the files after registration by clicking here MAIS CIDADES Olhos-d'Agua AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Olhos-d'Agua MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais Cocal dos Alves AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Cocal dos Alves PI MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Piaui Americano do Brasil AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Americano do Brasil GO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Goias Perobal AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Perobal PR MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Parana Sao Jose da Boa Vista AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Sao Jose da Boa Vista PR MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Parana Vereda AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Vereda BA MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Bahia Bahia Candido Godoi AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Candido Godoi RS MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Rio Grande do Sul Tanque d'Arca AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Tanque d'Arca al MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Alagoas Bom Jesus do Amparo AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Bom Jesus do Amparo MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais Palmeirante AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Palmeirante TO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Tocantins Caibi AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Caibi SC MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Santa Catarina Alambari AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Alambari SP MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Sao Paulo

what is consigned, inss application, I lend cash to retirees, by disability retirement, inss phone, REFINANCING youre CONVERT MONTHLY INTO ANNUAL RATE Chocolate & Mixed Nuts

Página Inicial Loan for negative Faça já sua simulação. Resultado em até três horas O que eu preciso saber de Empréstimo para Negativados? Empréstimo para Margem Negativa no consignado? Hoje temos diversas soluções para quem está com a margem esgotada ou negativa no empréstimo consignado. Uma grande oportunidade é o Empréstimo Pessoal Dacoval com débito em conta. Vale ressaltar que é esta modalidade ao contrário das outras, só contempla servidores em geral. Já Clientes de Empréstimo Consignado, você tem duas opções para fazer empréstimo com margem negativa, você pode fazer um refin ou, na segunda opção, fazer uma portabilidade para reduzir sua margem negativa e assim, realizar demais operações já com a margem positiva. Solicite uma simulação e veja se é possível tirar sua margem negativa. The Customer who has a fixed income The Customer who does not have a fixed income In the first case, banks are more willing to provide credit. It is obvious that this is a client who has monthly income, that is, is on a constant payroll, whether it is for life, such as retirement, or non-life, as is the case with private workers.. But, very much although, despite the negative client who does not have a fixed income, he may have a good score, despite some isolated restrictions in the restriction agency. Let's understand better. The Loan for Negative Persons had two distinct characteristics: Se este é o seu problema, ele pode terminar em algumas horas? Se o seu problema for de negativado por restriçao de crédito, veja nossa página sobre restrições e score: COMO CRIAR SCORE MESMO NEGATIVADO? Voltar

RELATIONSHIP OF CITIES WITH PAYROLL LOAN LISTS Search for your city by clicking here or download the files after registration by clicking here MAIS CIDADES Alegria AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Alegria RS MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Rio Grande do Sul Sandolandia AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Sandolandia TO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Tocantins Sao Felix de Minas AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Sao Felix de Minas MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais Paraiso AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Paraiso SC MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Santa Catarina Colinas do Sul AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Colinas do Sul GO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Goias Santa Rosa da Serra AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Santa Rosa da Serra MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais Santa Rita do Novo Destino AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Santa Rita do Novo Destino GO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Goias Barreiras do Piaui AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Barreiras do Piaui PI MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Piaui Nova Brescia AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Nova Brescia RS MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Rio Grande do Sul Calmon AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Calmon SC MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Santa Catarina Chapada da Natividade AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Chapada da Natividade TO MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Tocantins Pequeri AQUI VOCÊ ENCONTRA TODOS OS MAILINGS DA CIDADE Pequeri MG MAILING DE ENTRANTES, RECEM APÓSENTADOS, INSS, SIAPE, FORÇAS ARMADAS, EXÉRCITO, AERONÁUTICA, MARINHA E PREFEITURAS. ALÉM DESTES MAILING, GOVERNOS DE TODOS OS ESTADOS, INCLUSIVE DE Minas Gerais

12 SKILLS WHAT'S SPECIAL? After calling, accompanying attendants and setting up some Call Centers (telemarketing) in Brazil, I always realized that the human factor is the most important of all. My biggest fear was doing a consultancy and finding people who didn't have the skills to sell, worse, to sell over the phone. And even more aggravating, without any desire to evolve - "job to pass the rain". What many people don't know is that selling doesn't have to be seen as difficult and selling payroll loans over the phone shouldn't be seen as a tragedy after the first few moments making calls and receiving many no. And, of course, when you get a yes and are super happy, it's almost always a customer who doesn't have any credit or paycheck space for anything else. Plus, this page was made for you to have a different look at payroll loan sales in general, mainly over the phone, but not only that. Come on! Let's talk about basic skills (skills): It is very important that you write down and list these skills for phone sales. Many I've been through, others I captured buying the best 'Phone Sales' training found in the biggest Call Centers in the world, mainly in the United States. In these trainings, I made associations and reached 18 crucial skills for you to FAST GROW IN PHONE CREDIT SALES: TONE OF VOICE: Your voice is much more important than you think. She convinces, she excites, she captivates, just as she annoys, pushes and annoys. Work your voice tone at home in front of the mirror and singing songs. Then run simulations with relatives and welcome your voice feedback! USE PERSON'S NAME: Who doesn't like to hear your voice? So make use of that innate ego of human beings. Speak his name at least three times (first name only). This will create an unconscious bond and the bond will be more open and lasting. IF YOU CAN INVITE A VISIT TO THE STORE, DO IT! There is nothing better than receiving an invitation to meet someone else. Say, in other words, that you are a special, caring, caring person and that your store is great and that he cannot miss the chance to meet you. It is always easier to close a melee sale. IF YOU HAVE TO SELL BY PHONE ONLY: Don't let it be a quick deal. Do it dear, show him attention by giving him valuable information, making it clear that he is important. The sale of the loan will be a consequence of your relationship combined with the client's needs. NEVER BE THE FIRST PERSON TO TURN OFF THE PHONE: Show that you would like that call to be endless. And, it can always happen, the customer remembers something and shares a lot of importance for closing or increasing the sale. USE ILLUSTRATIVE WORDS! Words that describe and portray what you are trying to say, metaphors, comparisons, associations are always a way to draw for the client and facilitate their understanding. Of course, this brings a "moral" for you. know how to speak Speak to any customer with the same level of interest, regardless of what that call will yield. ALWAYS HAVE THE PERSON'S NAME WRITE DOWN ON A PAPER! Forgetting or changing the customer's name would be unconsciously disastrous for the customer. It's like realizing that it HAS NO VALUE. Beware of background noise. Having a difficult-to-communicate connection irritates both the customer and you, and you can get to the end sooner than enough and objective. STAY QUIET WHEN THE CONNECTION ENDS. The Customer may think the call is over and you may end up hearing something positive about closing the sale or something contrary that you can work out arguments to close the sale. SKILL 11 SKILL 12 SKILL 13 SKILL 14 SKILL 15 SKILL 16 SKILL 17 SKILL 18 These other skills you can learn in my Payroll Loan Sales and Bulk Tools course that will get you 70% off. That's right. From R$ 450.00 to R$ 135.00. This price is paid per company and not per person as a PDF presentation at the end of the COURSE. AND THERE'S MORE! IF YOU DON'T LIKE OR DON'T INCREASE YOUR SALES, YOU CAN REQUEST YOUR INVESTMENT IN UP TO 20 DAYS. ACCEPT THE CHALLENGE. BUY IT NOW! BACK HOME PAGE Âncora 1

Privacy Policy What kind of information do we collect? We receive, collect and store information that you add to our website or otherwise provide to us. In addition, we collect the IP address used to connect your computer to the Internet; login data; email address; password; computer and internet information and purchase history. We may use tools to measure and collect browsing information, including page response times, total time spent on certain pages, page interaction information and the methods used to leave the page. We also collect personally identifiable information (including name, email, password, media); payment details (including credit card information), comments, feedback, recommendations and personal profile. How do we collect this information? When you perform a transaction on our website, as part of the procedure, we collect personal information you provide such as your name, address and email address. Your personal information will be used for the specific actions mentioned below only. Why do we collect this personal information? We collect this Personal and Non-Personal Information for the following purposes: 1. To provide and operate the Services; 2. To provide our Users with ongoing customer service and technical support; 3. To be able to contact our Visitors and Users with general or personalized notices related to the service and promotional messages; 4. To create aggregated statistical data and other aggregated and/or inferred non-personal information that may be used by us or our business partners to provide and improve our respective services; 5. To comply with any applicable laws and regulations. Where do we store, use and share the personal information of your website visitors? Our business is hosted on the Wix.com platform. Wix.com provides us with an online platform that allows us to sell products and services to our customers. Your information may be stored in the Wix.com database. Wix.com stores your information on secure servers behind a firewall. Wix.com complies with PCI DSS (Payment Card Industry Data Security Standards (PCI DSS) rules and is recognized as a Tier 1 vendor. PCI DSS is an information security standard for organizations or businesses that accept credit card payments. This standard helps create a secure environment, improving the quality of cardholder data and reducing credit card fraud. How do we communicate with your website visitors? We may contact you to notify you of your account, to help you resolve an issue related to your account, to resolve a payment dispute, to collect fees or debts, for surveys or questionnaires, for news about our company or for any other reason that it is necessary to revise our contract in accordance with local laws. For this, we may contact you via email, telephone, text messages and mail. How do we use cookies and other tracking technologies? If your site tracks personal information through the use of cookies, for example, you will need to make this clear to your visitors. Be clear about the tracking technologies (eg cookies, flash cookies, web beacons, etc.) used on your site, what kind of personal information they collect and how they are used. It is important to know that external services such as Google Analytics or other technologies offered through the Wix App Market may have their own policies regarding the collection and storage of information. Due to the fact that they are external services, these practices are not covered by the Wix Privacy Policy. Click here to check which cookies are stored on your website visitors' computers. How can you withdraw your consent? If you do not want it more than possible for us to collect your personal information, please contact us by telephone 0800 606 7070 or send us a message to suporte@amtruth.com.br Privacy Policy Updates We have the right to modify this privacy policy at any time, so please check back regularly. Changes will be put into effect immediately after the change on our website. If we make changes to the materials in this policy, we will notify you so that you are aware of the information we collect and how we use it. Questions and your contact information If you have any questions about this Privacy Policy, or would like to access, correct or delete any information we have collected about you, please feel free to contact us at suporte@amtruth.com.br