Credit cards have become an integral part of banking business. On the one hand, banks make full use of the "supermarket" attribute of credit cards and cooperate with merchants to launch preferential activities to attract consumers, thereby increasing the usage of credit cards. On the other hand, issuing credit cards also helps banks expand their customer base and establish long-term and stable relationships with customers.

Secondly, as a virtual payment tool, credit card is convenient, fast and safe to use. Consumers no longer need to carry cash when consuming with cards, and can make purchases online or offline at any time, meeting the needs of different consumption scenarios. At the same time, credit card usage records provide a complete consumption data, based on which banks can conduct corresponding data analysis and marketing to strengthen relationships with customers.

Finally, credit cards can bring considerable benefits, especially for cardholders. By using credit cards for consumption, they can get corresponding discounts and rebates. These discounts and rebates can be accumulated and redeemed through consumption points. . For banks, credit cards are also a source of income. Through the promotion and use of credit cards, banks can obtain fee income and other corresponding profits.

To sum up, it is understandable that banks are keen on issuing credit cards. By providing convenient payment tools, preferential consumption scenarios, rich points systems and corresponding revenue mechanisms, banks can expand their customer base, increase business income and improve their brand image. At the same time, for consumers, credit cards can also become an excellent consumption partner, providing them with convenience and additional benefits.