If you pay off your credit card in full and on time, don't apply for installment payment, don't repay part of the minimum repayment amount, and don't use your credit card to withdraw cash, the bank will be unprofitable from you, but you always have to swipe your card, ranging from 10 at least three times a year, otherwise there will be a handling fee of tens to hundreds of yuan every year. In addition, banks can also get commissions from merchants who install credit card machines. As long as you use the card, the bank will make money. In addition, can you control your impulse to spend money when you swipe your card?