1, credit card processing fee. Credit card handling fee, also known as "credit card rebate", is the most important profit source of credit card business in domestic banks at present. The cardholder uses the credit card to complete the transaction at the merchant, and the merchant has to pay the cost, which is the so-called credit card handling fee.

2. Interest income. Interest income, also known as "penalty interest income", is also an important source of profit for banks in credit card business. When the cardholder fails to repay the loan on time, it is recorded as overdue and the bank will charge interest.

The hidden danger brought by idle savings cards is the problem of deduction. Some bank savings cards require an annual fee or a small management fee. If there is change in the savings card, the bank will deduct the fee until it is in arrears. Secondly, a lot of personal information is registered when the bank card opens an account, such as name, address, mobile phone number, ID number and so on. If the savings card is not used and cancelled for a long time, it will be easily used by criminals, resulting in the theft of personal information.

The hidden dangers brought by idle credit cards are different from savings cards, which are closely related to the cardholder's personal credit information and need special attention. Most credit cards will charge an annual fee, and even some credit cards will charge an annual fee even if they are not activated. Therefore, long-term idle credit cards are prone to the problem of annual fee arrears, which affects personal credit information.

After receiving the customer's credit card cancellation request, the bank will generally handle it within a certain period of time. In this process, the bank will check whether there is any debt on the credit card and whether the customer's debt has been settled. The average bank cycle is about 45 days, and the bank will only cancel the card for the cardholder if it is confirmed that the cardholder has no arrears.

When a customer cancels a credit card, for the sake of safety, it is best to call the bank's customer service phone about 40 days after the card cancellation to confirm whether his account has been cancelled successfully, so as to avoid future troubles.

Standard for account cancellation of major banks

1. Industrial and Commercial Bank of China: If there is no online banking, withholding and remittance business in the customer account, and the average daily balance is lower than that in 300 yuan, the bank will automatically deduct the quarterly management fee of 3 yuan, with an annual fee of 10 yuan. If the balance is deducted, arrears will be formed. If you are in arrears for one and a half years, the bank will automatically close the account.

2. China Construction Bank: Accounts that have not been used for more than 3 years and have zero fund balance cannot be used normally. If customers need to use it, they need to activate it at the account opening branch. At present, there is no notice of automatic account cancellation from the head office. If necessary, customers can cancel their accounts at the outlets themselves.

3. Agricultural Bank: If the customer's account balance is zero and has not been used for one and a half years, the bank will automatically turn this card into a "sleep account" and can no longer use it. If it is not used for 5 years, the bank will automatically close the account.

What is the profit model of credit card?

Bank credit card income mainly consists of five parts: interest income, late payment fee, installment fee, commission income, cardholder's annual fee, cash withdrawal fee and other expenses, among which interest, installment fee and commission are the main income.

Extended data

Credit card is a non-cash transaction payment method and a micro-credit payment tool provided by banks to users. The earliest credit card appeared at the end of 19.

Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales, social needs and other characteristics. Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions.