In China, the current profit model of credit cards is: 1, and interest income is the interest paid by cardholders on the outstanding balance of credit cards;

2. Information exchange income is the fee paid by the acquirer to the issuing bank, accounting for a certain proportion of the transaction amount of the special merchants;

3. The cardholder's annual fee is the fee paid by the cardholder to the issuing bank for obtaining the right to use the credit card; Other expenses and income include expenses and income generated by other credit card services, such as cash advance fee, loss reporting fee, fast card issuance fee, transaction password letter replacement fee, etc. The capital cost is the interest cost that the card issuing behavior must pay to obtain the outstanding fund balance in the bank credit card portfolio;

4. The service fee is the fee generated by the front-end contact with customers; Transaction processing cost is the cost generated by customer service in the background. 5. The rebate of special merchants refers to the fees charged by the acquiring institution to special merchants because they provide transaction processing and bear credit risks; Deposit interest income is the deposit interest income obtained from the deposit account of special merchants; Other income is the income from renting POS and card pressing machines. Of the credit card business profits, 78% comes from credit interest income, 10% comes from exchange fees, 2% comes from annual fees, 4% comes from cash withdrawal fees, and 6% comes from late fees and other income.

6, late fees, overrun fees, etc. ;