If credit cards are used normally, banks can't make money. You spend, the bank has to pay, you repay normally, and the bank doesn't charge. Therefore, if it is used normally, banks can't make money.

There are several ways to make money with credit cards:

1, personal credit card withdrawal.

2. The credit card has expired.

3. High-end credit card annual fee

4. Some detailed expenses such as bill expenses.

5.POS bill collection fee

Most of the above fees are calculated by probability, that is to say, only when a certain number of customers are reached can customers withdraw cash or overdue and receive these fees. Therefore, banks will issue a large number of cards and obtain a sufficient base, so as to ensure the profitability of credit card business.