Every business of a bank is profit-driven, and a big profit of a credit card is the interest income of a deferred account. What does this income mean?

First, when the cardholder consumes, the merchant has to pay the handling fee. Second, when cardholders spend a lot of money recently and have repayment pressure, they ask the bank to pay by installment, which means that the bank will charge an installment fee. Third, the cardholder pays the minimum repayment amount. When the cardholder has no repayment ability this month, he can repay the minimum repayment amount to the credit card, which is generally 10% of the amount owed. However, the bank charges 15000 yuan per day according to the total amount owed by the cardholder in that month, and compound interest next month! That's why credit card bills are increasing. Fourth, the cardholder also needs to pay a handling fee to withdraw cash at the bank counter or ATM. Fifth, the annual fee of credit card, the cardholder needs to pay the annual fee to the bank's credit card, but some banks will exempt the cardholder from the annual fee by swiping the card for the purpose of promoting consumption. From these functions, we can see why banks issue credit cards.

Why does the bank staff want you to apply for a credit card?

There are four reasons.

First, issuing credit cards is one of the main assessment indicators of banks. Banking business mainly includes intermediary business such as taking deposits, issuing loans and fund settlement. In fact, credit card is the carrier for banks to issue small consumer loans, and it operates in the form of credit. In a certain interest-free period, cardholders can enjoy the loan return in the form of bank pre-loan. This not only meets the short-term demand of consumers for small funds, but also achieves the purpose of banks issuing loans through multiple channels and expanding the channels of interest sources, which is essentially a win-win situation. For banks, the credit card market is very attractive because of its low cost and high profit. The competition in the banking industry is becoming more and more fierce. Many banks have not only issued the target task of issuing cards, but also issued the target task of demand deposits and installment settlement.

Secondly, it is about task indicators. After receiving the task assigned by the superior, the business point must be decomposed and implemented step by step. At this time, when depositors handle business, tellers often recommend corresponding products according to customer conditions, which is also the requirement of the service system; Secondly, as a job, tellers must seize every possible opportunity to publicize to customers, so as to complete the work as soon as possible and avoid withholding wages and bonuses.

The third is related interests. According to the assessment system, each branch will reward and punish its subordinate branches, and finally the subordinate branches will reward and punish individuals, and sell credit cards with a quota of tens of dollars. This price is no different from the piece-rate wage in the factory workshop. This is not surprising because of the particularity of the banking industry.

Fourth, for cardholders, no matter whether they do it or not, there is no economic loss. People who love credit cards will definitely agree with the behavior of supporting teller marketing, because they know the benefits that credit cards bring to them, such as emergency funds, gift rewards, discounts and so on. Although the credit card has not been activated or spent, according to the credit card management regulations, ordinary credit cards do not generate annual fees. Special credit cards and credit cards with large credit lines, such as gold cards and platinum cards, generally have fixed annual fees. Whether it is activated or not, the number and amount of card swiping after activation can avoid paying the annual fee, but the marketing staff will inform it in advance. If you don't think it's suitable for you, you can totally refuse.

Many people think that credit cards have no annual fee and interest-free, so do it. In fact, there are many ways for banks to make money.

Why do banks issue credit cards to customers?

Q&A is very common. I am an entrepreneur, and I choose to answer.

Do you want a credit card or not?

The affirmative answer is yes.

First, why do you need a credit card?

Credit card can bring extra points to your personal credit information, and it is a disaster if it is not used well.

Credit cards can bring you benefits, such as giving gifts with points, returning food, watching movies for free and so on.

Credit cards can give you interest-free use.

Second, how to use it?

Credit cards have so many benefits that you need to control them yourself. If you can't control it, talk to the bank directly. Monthly limit 1000, even if it costs too much. Let the bank lock in the quota given to you, don't swipe your card indiscriminately, don't spend in advance, and don't be greedy and cheap.

Third, banking institutions.

As a banking institution, the issuance of credit cards has strict audit requirements. In order to boost performance, salesmen try their best to create false information for customers, resulting in a large number of people who are not qualified to use credit cards. The result can be imagined. Of course, there are also their own reasons, and banks have greater responsibilities.

Fourth, the credit card market

For such a large consumer group in China, credit cards are also a means for banks and businesses to make profits. If there is no credit card from a banking institution, similar products will be exported in the same market. For example, Alipay's flower buds, loans, micro-loans and P2P are all mass-produced, and everyone wants a piece of the bank!

In short, if you don't apply for a credit card, there will be other products similar to credit cards for you to use. The key is self-discipline! Control the quota, don't brush it casually! If the card is maxed out, it will be a disaster!

Credit card, a killing knife, is also a living sword.

Of course, you have to have a credit card. I have been doing finance for so many years, and I have been explaining the following concepts to people:

1. We should establish a correct concept of financial management and financial management. Everything has two sides. The correct concept of financial management is not to return to the conservative concept of how much you earn and spend, but to learn to dance with wolves, make good use of various new financial management tools and keep pace with the times. Let the tools serve us and make personal consumption and investment planning, especially cash flow management.

We should see the benefits of credit cards. A 42-day interest-free credit line can actually give us more liquidity. Large installment is equivalent to saving us the trouble and waiting time to apply for a loan. Not to mention the points system and some small benefits. As long as the concept of consumption is correct, credit cards are not an excuse for us to misuse consumption. Just like an axe is just a tool, it can make money for the woodcutter and hurt the murderer.

Credit card can cultivate our credit history, so that we won't become empty-handed. For example, there is a misunderstanding that it is a good thing that financial institutions have no records, but it is actually a bad thing. There is no record, which makes it difficult for banks to quickly approve your mortgage and car loan applications. On the contrary, owning a credit card makes the bank feel that you are a potential profitable customer and are more willing to serve you.

Therefore, having a credit card is a good thing. As long as you make good use of it, it will be helpful to your future family and life.

If you feel good, please like, comment, forward and pay attention.

Regarding the use, you don't need to apply for a credit card. Nowadays, personal credit products emerge in an endless stream on the Internet, among which Ant Flower Bai, Ant Borrow Bai and JD.COM White Bar are particularly famous. The interest-free period of ant flower buds is very similar to that of credit cards. The interest rate of some users borrowing money from ants is even much lower than the interest rate of withdrawing money from credit cards.

More and more young people are reluctant to apply for credit cards, some of which are strange. Ask him why he doesn't apply for a credit card. He couldn't control his answer, fearing that he would spend too much on impulse and have no money to pay back next month. However, when he gets paid every month, he has to return the flowers and white stripes as soon as possible, which is quite a lot.

Regarding credit, if you have the habit of spending or borrowing flowers, it is recommended to get a credit card. Because the interest-free period of credit cards is long, the longest interest-free period of general credit cards is 45-50 days, and the longest interest-free period of flower buds is 4 1 day. It's no use putting these days aside at ordinary times. At critical times, such as forgetting to repay, the interest-free period is just a little longer. In addition, credit card repayment has a grace period of 1-3 days. I used the grace period once, and it almost expired. I remember it was on the last day of the grace period. I really forgot. Is there anyone like me?

Having a good credit card record is a plus item for personal credit information. The credit limit of a credit card is equivalent to a short-term interest-free loan, which is not comparable to spending money or borrowing money. How high can pocket money and borrowing money be? I have seen tens of thousands of dollars at most, and I can apply for many credit cards, so the accumulated amount is high.

If you can't control your desire to spend money, it is recommended not to apply for a credit card or a flower shop loan, and live within your means.

Although there are all kinds of advanced consumption modes on the Internet, such as flowers on Alipay and white stripes in JD.COM, these modes are similar to those of credit cards, which really bring a lot of convenience. But credit cards also have their advantages.

1, the credit card has an interest-free repayment period. Every bank's credit card has an interest-free period, and you can enjoy an interest-free repayment period of up to 55 days according to the time of using the card. People who can use credit cards use money to meet their own needs, manage their finances with money, and get benefits during the interest-free period.

2, many preferential rights attached to credit cards. Credit card issuers will provide cardholders with many additional benefits and rights, such as supermarket co-branded cards, shopping discounts, double points and other benefits; The owner's credit card enjoys a cashback discount; Airline co-branded credit cards can exchange points for miles, etc.

3. Credit cards accumulate personal credit. Nowadays, people who don't have loans and credit cards are called white households, which will have an impact on handling mortgages in the future. So getting a credit card and using it for a few more years is very helpful for accumulating your own credit.

Therefore, it is recommended to apply for a credit card, not much.

If you can use a credit card, you can turn your salted fish over. If you can't use it, you will be in debt and may go to jail.

Credit cards are not suitable for everyone, and some people are not allowed to use them. If you are one of the following people, it is recommended that you do not apply for a credit card.

1 people who don't like learning

When you apply for a credit card, you must understand its usage rules. I thought you swiped it when you got off the card. You stepped on the bank's risk control carefully, and then the card was severely blocked. If you don't come, you can't afford it, which is very easy to bankrupt your credit.

2 blind consumption comparison

After applying for a credit card, if you want to show off, it is easy to throw yourself into the pit, or buy high-end luxury electronic products that you were afraid to buy before, and you can't control your consumption. After all, you have to pay back the money you brushed.

Three gamblers

Gamblers have a bad habit, naively thinking that they can win money, and finally let themselves get deeper and deeper. As long as they have a little money, they will suffer, not to mention credit cards. It is simply a sigh! When I woke up, the card was empty.

4. People with outdated ideas

There is no interest on credit cards. The key is to know how to use them. There are always people who think that credit cards are, and everyone who wants interest is.

These people should stay away from credit cards and are not suitable for joint organizations! Whether you want to apply for a card depends on whether you are one of these people.

Hello, friends! Credit card is like a double-edged sword, which has the side of emergency rescue and reasonable planning of credit consumption, and it may bear heavy economic and mental burden and even legal responsibility once it is used carelessly, and personal families will be affected for a long time!

To be clear: credit cards are convenient for daily economic life, but they are not necessary. Whether to do this depends on many factors:

First, the case of not handling credit cards!

1, without a stable income, it is best not to do it, so as not to miss the harvest, overdue private letters, and bear a heavy burden!

2, not good at planning financial management, it is best to stay away from spending money, otherwise you will be happy for a while and suffer for a long time!

3, it is best for the elderly not to use credit cards! First, the credit card may be stolen again. Second, all kinds of dates need to be calculated clearly. Once forgotten, the consequences are very serious!

4, investment, making money, stock trading, etc. Better not do it! Credit cards are rigid repayments with strict deadlines. Once the overdue fee is high, the consequences will be serious. Any investment is risky, and it is worth losing!

Second, you need to apply for a credit card!

1, income is stable, and various revenues and expenditures are planned. You can consider applying for a credit card and give full play to the interest-free advantage!

2, very familiar with credit card knowledge and rules, high self-control ability, can handle credit cards, provide convenience for life, and effectively control risks!

3, temporary emergency, short-term turnover, very suitable for credit cards!

To sum up: credit card is a multifunctional credit financial tool with strict rules, so its advantages also lie in short-term, turnover, consumption and emergency! Once used in other aspects, its other side will appear, with high cost, small room for negotiation and strict laws and regulations? Once blacklisted, it will take five years to wash it after it is paid off? Therefore, the rational use of credit cards, a certain stable income and economic strength are the basis for handling credit cards!

There is a small card called a credit card. It can not only make us feel comfortable, but also make us worry. Thankfully, it can solve the problems about money and troubles in life for us. When we paid back the money, we found that there was no money in our pockets, so there were some credit cards on the Internet, and some opposed to using them. Sometimes we find that there are far more voices of opposition than voices of support, but credit cards still exist in our wallets.

Personally, credit cards are still necessary. In addition to facilitating our daily consumption, we can also get points and exchange some small gifts. More importantly, when we need to use a lot of money in the future, we can get loan funds from banks through the credit accumulated by credit cards to solve the urgent need.

The same card used two different lives. In the final analysis, credit card is a financial payment tool. The key lies in the people who use it. If you have super restraint, plan your life, and use your money in the right place reasonably, credit cards can help you when you need them.

On the other hand, if you use your credit card tightly for shopping and consumption, it will be a bottomless pit, which will lead you into an infinite debt cycle step by step, so that you will never save money or even be heavily in debt.

It is definitely necessary to apply for a credit card, which has many advantages. I summarize the following points:

First, establish your own credit record. With a good credit record, you can quickly approve the loan projects you need.

Second, take precautions in case of emergency. You don't have to ask for help at critical moments, just pay by credit card.

Third, payment is convenient, online and offline transactions are convenient, and installment payment can alleviate economic pressure.

4. Credit cards have a certain period of interest-free period, which varies from bank to bank, with a short time of 25 days and a long time of 56 days.

There are many advantages of credit card, but you must use it correctly, don't cash it out, spend it rationally, remember to repay it on time, and don't be overdue. If it is overdue, there will be not only liquidated damages, but also bad credit records!

This concludes the introduction of why banks issue credit cards and why banks issue credit cards to customers. I wonder if you have found the information you need?