1. Annual fee: The higher the grade of bank credit card, the more expensive the annual fee. For example, for high-end cards with platinum cards and above, each card has an annual fee of thousands or even tens of thousands, and you can't enjoy the annual fee discount.

2. Credit card handling fee: It is one of the most important sources of funds for banks, but this fee is usually borne by merchants. The standard rate of POS card swiping is 0.6%, and the fast pass rate of China UnionPay is 0.38%. The handling fee is drawn from the amount collected by the merchants and distributed to the issuer-acquirer and UnionPay according to the ratio of 7: 2: 1 or 8: 1 respectively.

3. Installment fee: For example, many users can't repay in one lump sum after consumption, and the expected annual interest rate is around 18%. Some users are in urgent need of money, and the rate of each issue is around 0.76%, which is also a way for banks to make money.