1. Performance growth: Successfully selling credit cards to customers will increase the performance of banks. When customers apply for credit cards, banks can get relevant income and profits.
2. Improve customer stickiness: Credit cards usually provide various activities, such as redeeming points for gifts. When customers participate in these activities, both cooperative businesses and banks can make profits. If customers recommend these activities to friends, they can also indirectly increase consumer groups.
3. Automatic repayment associated with debit card: Many people will automatically associate credit card repayment with the bank's debit card. In this way, customers will continue to deposit money into debit cards, and savings deposits are also one of the important sources of profits for banks.
4. Profit income: Banks can get higher profits by selling credit cards to consumers. Credit cards usually charge an annual fee, as well as withdrawal and installment fees. If the customer fails to repay in full and on time, the bank can still charge interest.
What are the benefits of credit cards?
1. Consumption overdraft: Credit cards allow users to complete consumption without sufficient funds. Users can overdraw the credit line to meet the immediate consumption demand.
2. Interest-free period: The credit card provides a certain interest-free period, during which users can use the credit card for consumption without paying any interest. This allows users to use their funds for other investments or create more value.
3. Offers and discounts: Credit cards usually offer various offers and discounts. When users pay by credit card, they can enjoy different discount activities and benefits. This has brought more consumer benefits and benefits to users.