1, as stipulated by the bank, is linked to personal performance.

2. Credit cards can overdraw consumption, and enterprises will find banks to cooperate in promotion, thus increasing bank customers.

3, credit card overdraft cash withdrawal, both fees and interest, increase bank income.

It is very advantageous for banks to use credit cards, so they will always promote their credit cards. First of all, you have to use a credit card, which is bound to save money, so that unused money becomes a bank's demand deposit, and deposit is the first important thing for banks. In particular, demand deposit is a low-cost deposit, and it is more profitable to lend with it.

Extended data:

Banks can cooperate with merchants. You may often see that some merchants will give discounts when shopping with credit cards, which will make people happy to use credit cards and increase their turnover, which is beneficial to both sides.

If the bank charges a service fee in proportion to the increase in merchant turnover due to customers' use of credit cards, the charging standard shall be determined by both parties through consultation.

At present, the use of credit cards by banks is basically not free, and an annuity is charged every year. Generally, each card costs ten yuan a year.

Credit cards are used across banks, and there is a charge, which increases the income of banks. Banks must promote credit cards, because they can benefit from them, and of course, they are also conducive to facilitating users' consumption. If you want to handle it, you can consult the customer service staff.

Baidu encyclopedia? -Credit card