No Bank operates at a loss. But creating a credit card as a banking product is a costly undertaking. Issuing a credit card, servicing itcvv shop sites, renting and installing ATMs are all expenses on the part of the organization. In addition, banks already provide customers with attractive terms in the form of a grace period, free replenishment of the phone account, payment for housing and utilities, Internet of goods and services, and so on.
Therefore, charging interest is one of the ways an organization can benefit from working with a credit card holder. Very often, banks not only charge a Commissionfullz shop online for withdrawals (and sometimes it can reach 7% of the amount), but also increase the percentage for using funds.