Among the several key points of bank credit card income, the most important source is: card swiping fees. Let’s take a look at how to make money specifically. 1. Annual fee The competition in the bank credit card market is also fierce now. Most banks will reduce or reduce the total amount or number of card transactions and make money in the form of handling fees. 2. Credit card swiping fees. Credit card swiping fees will be deducted. This money is mainly Shared by the issuing bank, UnionPay and acquiring bank. The card issuing bank will charge between 0.36% and 0.48%, which is a huge benefit. 3. Overdue interest will be charged high interest, which is generally charged at 0.05%/day, with interest calculated on a daily basis and compound interest calculated on a monthly basis. 4. Installment fee: When the cardholder repays the loan in installments, he or she needs to pay a certain installment fee. It is also the main way to make money. 5. Other income such as cash withdrawal fees, loss report fees, SMS function fees, etc.