There is a lot of mystery here, and it is closely related to the interests of the bank.

1. Banks can make money by issuing a large number of credit cards.

Banks have a wide range of business, and credit cards are also one of the revenue-generating projects, because after we apply for a credit card, even if we don’t use it for a long time, as long as it is activated, some fees will be incurred. Among them is the management fee, which is generally calculated on an annual basis. Although it does not seem to be much money in a year, the total number of credit cards issued is large, and the accumulated income is considerable.

2. There are two other fees that are often charged, which are interest and handling fees. As long as a credit card is swiped, these two fees are difficult to avoid unless it is repaid in full. In fact, many people will divide their debts into multiple installments to repay, so each installment will incur more fees. The larger the amount of debt, the higher the interest, the more installments, the handling fees will also increase, and the cardholder cannot You can not pay back the money you owe at will, so no matter how you look at it, the bank will make a sure profit.

According to data released by the central bank, the total amount of credit card credit outstanding for six months overdue in the second quarter of 2021 has reached 81.804 billion yuan. In other words, including interest and handling fees, the money earned by banks It’s more than 80 billion. Therefore, banks will actively promote credit cards. In addition to finding people to promote offline, they will also send various emails and messages to urge people to apply.

3. Credit cards are also a performance appraisal for bank employees.

Although working in a bank sounds very prestigious, it is actually very stressful because it is not easy to meet the performance appraisal standards. Money will be deducted if performance is not completed, so many people have resigned from banks. In the first half of 2021, the four major banks lost 22,000 people.

Credit cards are also a part of the work that bank employees need to assess. Compared with collecting deposits, this is more difficult, because after all, saving money is a necessity, but many people do not necessarily need credit cards. Therefore, bank employees are under great pressure. In order to complete their tasks, they can only cast a wide net and look at everyone as a potential customer. If someone comes to the counter to inquire about card processing, bank employees will also take the initiative to recommend it to the user. Apply for a credit card.

And sometimes, in order to tempt users, bank employees will promise some very attractive preferential packages, such as giving some gifts or reducing annual fees. After repeated recommendations, some people will naturally be tempted and apply for a credit card.

When applying for a credit card, you will also get a debit card:

Debit cards are our commonly used bank cards. As of the end of the second quarter of 2021, the number of debit cards issued by our country will be The number of debit cards has reached 8.32 billion. In fact, many of these debit cards are not handled by the cardholders themselves, but by banks on their own initiative.

When applying for a credit card, the bank will bind the debit cards together and review them at the same time. However, in the end, the credit card may not be approved, but the debit card will definitely be approved. The debit cards issued to users, whether they are used or not, are of great benefit to the bank. Even if they are not used for a long time, management fees will accumulate. If they are used, it will This is even more beneficial for banks, as the total amount of deposits they absorb will increase as a result.

Therefore, banks actively recommend credit cards and chase people to apply for credit cards. In fact, they also have this purpose. Anyway, as long as users are tempted and apply for a credit card, it will be difficult for the bank to do so. Suffered a loss. However, this is also beneficial to users. If the credit card is successfully applied for, future repayments can also be made directly using the bank's debit card.