Repay on time within the time specified by the bank, and there is no overdue situation. The bank will think that the credit line given to you is safe and controllable, so it will not be managed.

However, if the cash is cashed in the POS machine and the payment object is not a standard merchant, the bank will lose money, so the bank will check.

At present, merchant rates are generally divided into three categories:

Standard merchants: clothing, department stores, restaurants, entertainment, jewelry, etc. , the national guidance rate is 0.6%, and the user transaction is 1 10,000 yuan, so the bank can probably get around 42 yuan and make money.

Preferential merchants: gas stations, supermarkets, air tickets, water, electricity, gas fees, etc. , the national guidance rate is 0.38%, and the user transaction is 1 10,000 yuan, so the bank can probably get around 20 yuan, and the bank is losing money.

Public welfare businesses: public welfare schools, charities, donations, etc. The national guidance rate is 0%. No matter how users brush it, banks will not make a penny and still lose money.