1. Charge 2% to the merchant. You spend 100 yuan on the merchant's credit card, and the merchant gives it to the bank 2 yuan, of which the issuing bank accounts for 80%, UnionPay 1%, and the acquiring bank 1%.

2. Charge fees for derivative services such as installment payment, minimum repayment amount and overdraft cash withdrawal.

3. Overpayment, late fees, annual fees, loss reporting fees, certification fees, business card printing fees, expedited fees, consumer rights, etc.