No one wants to keep losing money in business. In fact, banks want everyone to get a credit card in order to make money from their friends. Although there are free credit cards, credit card consumption is not free. After we have a bank credit card, there will be a lot of expenses and a certain degree of deduction. For example, we will deduct the annual fee every year from the year when we apply for a bank credit card. For example, the platinum card of CITIC Bank costs as much as 2000 yuan a year. You can count the 784 million bank credit cards we mentioned earlier. If all the annual service fees are deducted, the annual income of the bank is10.5 trillion, which is a very huge amount. Moreover, there are many people using credit cards, and this quota will increase.

In addition, there are bank charges. Although the service fee is not very high, when we do business with banks, we will actually generate a lot of handling fees. For example, if a bank deducts money from a merchant, it will cause a service fee, and installment payment will also cause a service fee. Although the amount of each handling fee is not very large, every little makes a mickle, and the accumulated service fee is also a big gain. In the data of the bank's annual report in 2020, the fee income of China Construction Bank and Bank of Communications both exceeded 20 billion. Having said that, everyone will understand why banks strongly recommend credit card consumption. Even if everyone repays the loan on time and does not cause expenses such as loan interest, the bank can still have a large income. And the consumption pattern of credit card is very easy to stimulate people to spend too much.

Especially some friends who don't have the concept of money often use credit cards when they meet the goods they want to buy, but later they don't sign up because of their own economic development conditions. After the repayment date given by the bank, the bank will charge the annual interest rate on time. Because some friends' debts are snowballing, they end up with bad credit information. Therefore, when you spend your credit card, you must spend it reasonably and fully consider it according to your own economic strength. Don't always regret it impulsively.