Banks issue credit cards only to make money, to be precise, to make money without risk. \x0d\ When a bank issues a credit card, it actually lends money. Lending is not as simple as absorbing reserves, and banks must consider the risk of funds. In order to control the risk of funds, banks have established a set of credit system as an important basis for enterprises and individuals to lend. With the credit mechanism, but without the credit records of customers, banks still have no way to judge the Excellence of customers. In order to establish a perfect credit system, banks must introduce a simple and easy way for all customers to borrow, so credit cards appeared. \x0d\ Because credit cards have the following characteristics: \x0d\ 1. Credit card review, business card printing and issuance are all streamlined, and the issuance cost is very low compared with other loans. \x0d\ 2。 Credit card is the widest coverage of all loan methods of banks. \x0d\ 3。 Credit cards are billed once a month, and customers have to repay them every month, which is the fastest way to withdraw funds. \x0d\ 4。 Credit cards are the most profitable of all bank loans. \x0d\ 5。 Credit card is the least risky way to borrow.