Reliable, giving gifts by applying for a credit card is a marketing method adopted by the bank to expand its business, and users who apply for a credit card do not incur additional fees. Entrusting others to apply for a credit card can easily leak personal credit card information, but if it is handled through a formal banking institution, the risk of leaking personal information is very small.

: In addition to making money from the interest rate difference between deposits and loans, banks are now also actively developing retail businesses such as credit cards. For example, the 2021 semi-annual report released by China CITIC Bank shows that credit card revenue reached 28.463 billion yuan, and Everbright Bank credit card revenue was 22.521 billion yuan. According to data from China Merchants Bank, as of the first half of 2021, credit card revenue was 41.662 billion yuan, of which the interest portion reached 28.425 billion yuan, a year-on-year increase of 0.17. Obviously, credit card income has also become one of the many sources of income for banks.

Although credit cards are good, don’t be greedy for too much. Risks of credit card leakage:

1. Credit card security code leakage. The three-digit card security code on the back of the card is almost equivalent to the password. Credit card payment methods are different from bank cards. In many cases, you only need the card number and the last three digits to make purchases. If the security code is known to others, there is a risk of it being stolen by others.

2. Who is responsible for theft? If your card is stolen, you must first find evidence to prove that the consumption was not made by you. Only in this way can you obtain compensation from the bank. Otherwise, the loss will only be It's up to you to bear it.

3. Credit card information also includes the credit card itself. The credit card contains a large amount of personal information, so banks recommend that the credit card be cut and destroyed after cancellation.