The bank successfully promoted credit cards to customers, and the customers handled them, and their performance improved. Moreover, handling credit cards helps to increase user stickiness. Because credit cards often provide many activities, such as exchanging points for gifts, customers participating in activities, and cooperative businesses making profits, banks can also make some profits. If customers recommend these activities to friends around them, it will also increase consumer groups invisibly.

In addition, many people will contact the bank's debit card for automatic repayment when repaying their credit cards. 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.

Also, banks sell credit cards to consumers, and the profits are relatively large. After all, many credit cards will charge an annual fee, and many credit card businesses will also charge a certain fee, such as cash withdrawal and installment. If the credit card is not fully repaid within the prescribed time limit, the bank will still charge interest.

Consequences of overdue credit card:

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.