The so-called people make the best use of their talents and materials.

Among the 90 members of the second batch of crossing, 30 are new and old salesmen from the credit card center, and what they are best at is promoting the reverse immortal building and issuing the reverse immortal card. There were also 50 medical workers, most of whom eventually switched to professional medical services, and the results were also very good.

First of all, let's talk about the business income of the reverse immortal card.

In the first few years, the reverse fairy card belonged to the period of horse racing, which was equivalent to burning a lot of money to seize the market. Therefore, not only is there no income, but also the cost is very high. Fortunately, Li Fan used the Heavenly Reverse Stone Beads to brew a large amount of Reverse Immortal Spirit Liquid, in exchange for an astonishing number of Spirit Stones, which was the original capital of the Reverse Immortal Tower's issuance of the Reverse Immortal Card.

In the first few years, the cardholders of the Reverse Immortal Card were very cautious with their cards, although the digestion of resources during cultivation was great, and many monks also had the phenomenon of making ends meet, but the monks knew very well that they had made a heavenly oath when they applied for the card, and if they did not repay the loan within the time limit, they would be punished by the Heavenly Dao, so the cardholders were accustomed to repaying on time, and it was difficult for the Reverse Immortal Building to receive interest.

Wang Kai still thought of a good way: "Imitate the bank card, boil the frog in warm water!".

After analysis, everyone unanimously agreed, so within three years after the completion of the trial tower, the reverse immortal building divided the "boiled frog in warm water" policy into three steps and pushed it to the mature market.

The first step is to let the Reverse Immortal Card generate profits, and the source is interest income.

After the card occupied a large part of the market, the team launched two preferential policies of "minimum repayment" and "excess consumption" in mature markets to encourage cardholders to spend more and repay the loan slowly.

Due to the limited repayment ability of ordinary monks, they can't control the urge to overdraft after getting used to the reverse immortal card, and it is inevitable that they will not be able to repay the full amount when it expires. In response to this phenomenon, the monk does not need to apply, and only one-tenth of the bill amount is enough to repay the bill when it is due. In other words, if the cardholder of the Reverse Immortal Card cannot repay the full amount when it expires, he can avoid being punished by the Heavenly Dao by repaying one-tenth of the money first! In the eyes of the card-holding monk, this is simply too considerate.

In addition, if the amount of consumption is not enough, there is no need to apply, and it can temporarily exceed one-tenth of the total quota. For the excess monks, the service of the Reverse Immortal Building is too good.

However, consideration and service come at a cost! If you choose the minimum repayment amount, then the remaining unpaid part will be charged 5/10,000 daily interest, and if you choose to spend over-limit, then the over-limit part will be charged 5% over-limit fee.

In general, these two policies not only gave the card-holding monks a respite, but also increased the profit income of the Reverse Immortal Building.

Therefore, as soon as this policy was introduced, many monks with anti-immortal card holders were boiling, and the mountains shouted long live!

Of course, the Reverse Immortal Card team also took off the hat of a large loss-maker in one fell swoop and achieved a break-even.

The second step is to installment the bill.

What should I do when the monk who holds the card is accustomed to proper overdrafts and often makes minimum repayments, and the debts will increase more and more?

Reverse Immortal Building has launched a bill installment policy in due course.

If the card-holding monk is unable to pay off the bill of the month at once, then the installment repayment comes in handy, and the installment fee is also one of the main incomes of the Reverse Immortal Building. Taking the twelve installments as an example, the installment handling fee is 7.2%, and the bill of one thousand lower grade spirit stones can be paid off in one year, and only the cost of seventy-two lower grade spirit stones needs to be added, and the card-holding monk does not feel that it is too much.

It's just that the installment handling fee of this bill, which is charged by Reverse Immortal Building, is charged at one time and included in the next bill.

The third step is to join hands with the reverse immortal building to launch a reserve fund

The so-called "Reverse Immortal Building Reserve Fund" is an installment payment business jointly created by Reverse Immortal Building and Reverse Immortal Card. It means that in order to meet their own consumption needs, monks who hold the Reverse Immortal Card can apply for a reserve fund from the Reverse Immortal Building, and can only spend in the Reverse Immortal Building, and then repay the principal and a certain amount of handling fees in installments.

The consumption reserve is a kind of installment loan in addition to the credit limit, and does not occupy the limit of the card itself. For those card-holding monks who have been overdrawn a large amount of the Reverse Immortal Card, this is equivalent to picking up a spiritual stone for no reason, saving themselves from danger and facilitating temporary turnover.

Because the reserve fund can be repaid in installments, the interest rate is relatively low, the cost of borrowing is not high, and most importantly, the amount of the reserve fund is several times higher than the total amount of the reverse immortal card, so it is particularly popular after its launch.

However, the reserve fund does not support early repayment, even if the cardholder monk repays the loan in advance, he must pay the balance of the principal and the remaining handling fee in a lump sum, which ensures the profit income of the reverse immortal building.

The three policies were introduced one after another, and many monks gradually fell into the quagmire of the Reverse Immortal Building, and became more and more dependent on the overdraft consumption function of the Reverse Immortal Card. As for whether these "frogs cooked in warm water" will cause bad debts in the Reverse Immortal Building? Of course not, this is a later story, the Reverse Immortal Card team has actually made arrangements for a long time.

Now, with the popularity and improvement of the Reverse Immortal Card, the Reverse Immortal Card business has become one of the most profitable departments of the Reverse Immortal Building. Don't look at the various new businesses of the Reverse Immortal Building are very profitable, if you want to say that the earning ability has to be the first to recommend the Reverse Immortal Card, its income accounts for more than one-third of the total profit of the Reverse Immortal Building!

......

In fact, "boiled frog in warm water" just expresses a more intuitive and vivid meaning: born in sorrow and died in peace!

When the Reverse Immortal Building team began to launch the last elimination system, there was no comfortable and enjoyable environment, and the "frogs" took the initiative to jump out of the "pot"!

Of the 90 members in the second group, medical workers made up the majority. Among them, there were thirty-five medical workers from the Provincial Cancer Hospital, and fifteen were authoritative experts in various fields in Yuzhang City, who were originally scattered all over the country, but in the end, the vast majority of them became members of the Immortal Medical Pavilion.

It turned out that under the pressure of the last elimination system, the reverse immortal building strengthened the assessment of cultivation and performance. Compared to the aboriginal cultivators, the pressure of the traversers was especially prominent, because they often had poor spiritual roots, and those old experts were even more so, even if Li Fan helped them add a spiritual vein, it would be useless.

Fortunately, there is a specialization in the art industry. When Li Fan launched the brands of "Immortal Doctor Pavilion" and "Touching Hands Immortal Doctor", many experts and medical workers couldn't bear it anymore and took the initiative to come to Li Fan, saying that they wanted to develop their strengths and avoid weaknesses and join the Immortal Doctor Pavilion.

Please don't be as excited as the general, Li Fan is waiting for this day. Of course, Li Fan also said first: "Whether you are a hospital leader or an expert or scholar in the real world, if you want to become an immortal doctor in the world of immortals, you must have an empty cup mentality, and everything must be learned from scratch." In this way, the vast majority of medical workers became Li Fan's disciples and accepted Li Fan's theory of immortal medicine. There are only five old experts, and they couldn't let go at first, but then they simply gave up on themselves, and unsurprisingly became the target of the last elimination of the Reverse Immortal Towers in various places.

Upon returning to the real world, they will lose a chance to travel and become the first frogs to be boiled to death.

Li Fan thought that the first batch of members had never been able to break through the foundation, did they also lack violent stimulation?

When the time came to return, he gathered everyone and activated the mantra of the crossing......