Among the two largest categories of credit card business costs, the first category is capital costs, and the second category is labor costs.

Bank funds mainly come from deposits of savings users, self-owned funds and borrowings from the capital market. But no matter which way you use other people's funds, you need to pay interest, and credit cards have quotas. These quotas will occupy bank assets, so a certain capital cost will be incurred.

The labor cost comes from the wages of salespersons, clerks and other personnel who serve customers in the entire credit card business. Since there are many different services designed, the labor cost will not be low.

So it can be seen that labor cost and capital cost are the top two costs