Does the questioner want to ask "Why do credit cards generate annual fee sharing fees"? Bank income is needed. Credit cards are issued by banks. The annual fees of credit cards, handling fees for installment business, and interest are the main sources of bank credit card income. Therefore, credit cards will generate annual fees, handling fees, and shared expenses. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and the name of the cardholder on the back. Cards with magnetic strips and signature strips.