some people are shocked by the high quota or interest-free period of banks, and think that credit cards are almost a "public welfare" cause. In fact, credit cards are the most profitable cake for banks in traditional industries. The income of credit card business comes from:

(1) annual fee (at present, banks with advanced business concepts have given up this piece in succession, which is in line with international practice)

(2) revolving interest (the annual interest rate is above 18%, which can't be compared with any other business)

(3) credit card handling fee. Although customers pay according to the marked price, merchants have to pay the handling fee to the issuing bank.