In fact, for banks, there is a card issuance assessment, and customers can be circled first, and some of them may grow into quality customers.

Small credit cards bring huge benefits to banks in the short term, but in the long run, although both cardholders and banks face benefits and risks, the risks faced by cardholders are controllable (annual fee risk), while the risks faced by banks are difficult to control, such as credit card bad debts. So this is the bank's business strategy. That's why banks have small credit cards.