In fact, the bank's vigorous development of credit cards is not directed at making money with credit cards. Because as far as I know, the handling fee of credit card business is really not as good as the spread of 9 gross. And at this stage, few banks' credit card business is profitable. Why is the bank so thankless? The first is customer resources. Credit card systems generally record important information of cardholders: from birthday to home address, from consumption level to consumption place. Not to mention the relevant materials you provided when you applied for the card. With this information, banks have the possibility of further marketing. Credit cards are one of the few businesses that can be handled without going to the bank, so credit cards have become a sharp weapon for banks to snatch customer resources! Second, the income from intermediary business is an important indicator of bank assessment. Although credit card income is less than the spread, compared with other businesses, credit card business is a big source of income. Third, the trend of credit card is much longer than that of debit card, and it is used for consumption from the beginning, so the function of credit card in consumption is perfect enough. The original intention of debit card is not consumption, so the role of debit card in consumption is very weak. It can be seen that issuing credit cards is a more convenient payment method. The more people use cards, the more they will get used to them.