1) Normal use, normal repayment, banks mainly spend in POS, online payment, as long as you have a payment scenario, banks will be profitable. At present, the consumption of POS machines is 0.6%, and that of card issuers in 60 yuan is about 70%. Online payment will be less, but the profit model will remain unchanged.

2)ATM cash withdrawal is generally calculated at 50/ 10000 interest until it is paid off.

3) installment/minimum repayment amount. As long as it is installment, the bank will charge the installment fee, and it is not low. It is recommended to do less installments, and the minimum repayment has interest charges.

4) The annual fee is relatively small, which can basically be deducted by credit card or points, but the card above platinum is also a lot of income.

5) Issuance of card loans, such as Angel Loan of Bank of Communications, Enjoy Loan, Dream Saving Fund of China CITIC Bank, Reserve Fund of China Merchants Bank, E Loan, etc. , are equal principal and interest in installments, but also a relatively large piece of income.