If people who use credit cards repay their debts on time, banks can still make profits from the following aspects:

1. Annual fees: People who use credit cards usually need to pay an annual fee. Annual credit card fees. The fee helps banks cover the cost of issuing and administering the credit card.

2. Merchant handling fee: Whenever a cardholder uses a credit card to pay when shopping in a store or online, the bank will charge a certain handling fee from the merchant. These fees are one of the bank's sources of income.

3. Interest income: Although people who use credit cards repay their loans on time, if there are unpaid balances, banks will charge high interest on these balances. This interest income is considerable for banks.

4. Default fees: If the cardholder defaults or delays repayment, the bank will charge a certain amount of penalty or penalty. These fees are often a source of income for banks.

To sum up, although credit card holders’ timely repayment will have a certain impact on bank income, banks can still charge annual fees, merchant fees, interest income and default fees. to gain profits.

The online loan big data report from "Qiaoqiaocha" reveals information such as online loan history, online loan overdue details, debt status, dishonesty information, and online loan blacklists.