1. Annual fee:

Annual fee income was a high proportion of fixed income source before 2005, once reaching about 55% of credit card income. However, many banks have introduced annual fee-free policies, which has caused the proportion of annual fee income to show a downward trend year by year.

2. Merchant commission:

When a customer purchases something with a credit card, the merchant must pay a certain percentage of the transaction amount to the bank, which is also the main part of the credit card revenue. A person in charge of the credit card center of a commercial bank told reporters: "According to the default regulations of trade associations and UnionPay, there is a fixed standard for the handling fees charged to merchants for credit card purchases at POS machines."

3. Interest:

Interest is composed of cash withdrawal fees, cash withdrawal interest, minimum repayment interest, etc., and accounts for a very important part of credit card income

4. Cash withdrawal and punitiveness:

The former refers to the handling fee paid for withdrawing cash at the counter or ATM machine, which stems from the bank’s purpose of promoting card consumption and preventing risks; the latter refers to the fees for excessive credit card overdrafts. The penalty paid by the bank is to compensate for the risk losses caused to the bank due to the cardholder's default. These two parts account for a relatively small proportion of credit card revenue.

5. Other value-added services:

For example, the fees paid by cardholders to purchase goods and pay in installments are actually similar to turning interest income into an intermediary business. The essence remains the same, but It is conducive to expanding consumption and controlling risks.