1, capital withdrawal: credit card payment is faster, which is beneficial to the bank's capital turnover. However, the period of withdrawing funds from bank loans is relatively long, with obvious disadvantages.

2. Profit: The comprehensive profit of credit card is relatively high, generally including annual fee, credit card handling fee, interest and installment handling fee. The profit of credit card business is much higher than other loans.

3. Risk: The risk of credit card default is relatively low, and banks can control the consumption records of credit cards at any time. So the school needs to apply for a credit card.