The first is the profit of the business. Usually, businesses can get a 15% discount. This is a pure business profit, and the bank will publicize it to the outlets in return.

Of course, there are more than one way to return, such as loans. In addition, it is the kind of half price, buy one get one free, the merchant gives 20% discount, and the remaining 3% discount is subsidized by the bank. Of course, the purpose of the bank is very simple, that is, to increase the number of cards issued, because the handling fee for credit card consumption is divided by the issuing bank-bank-UnionPay.