1. You can earn the handling fee by installments. If you have 1, yuan for installment, you have to pay 75 yuan for the handling fee every month. This profit is considerable.

2. overdue interest, late payment fee and liquidated damages. If it is 1 thousand yuan, you have to give 5 yuan here alone. It can be seen how impressive the bank's profits are.

3. Annual fee and annual fee are also important profit sources for banks. The annual fee is collected every year, which has a long-term effect and is also one of the important sources of bank income.

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The function of credit card:

1. It is convenient for people's life and saves the trouble of carrying cash, and there is no geographical restriction in using credit card. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Repayment in time after swiping the card will make the personal bank credit. "