-The cost of machinery and equipment for the basis of acceptance of the credit card. This is the account the cost related to the fixed assets of the Bank. With the increasing development of science and technology, this costs accounted for a large proportion of the total cost of business credit cards by the speed of the depreciation of machinery and equipment.
This is a relatively major difficulties for the development of the market of card by the majority of the equipment must be imported from foreign countries have high scientific and technical level.
-Printing costs and a encrypting information, manage customer records: this costs relatively stable and accounted for a small proportion of credit reports.
-The fee to join the international card organization: this paragraph is fixed annually and hosted international cards regulation.
-The losses due to the risks arising
-Salaries of public employees to participate in active trading cards: relatively stable, this might increase according to the increase of the sales business credit card but its growth will be slower in growth of paid sales. Therefore, the proportion of salary and social welfare will decrease relative to the proportion of the cost of business cards.
-Other costs include: insurance costs related to credit reports fixed assets, the interest payments for the balance of the deposit account customers in the banking and other related costs, costs for advertising, Marketing the card products ...
In addition, if the Bank does not release enough of the card signed every year with the international credit card organizations shall also be subject to a fine in an amount corresponding to the number of available under the contract.
May said the cost for the card business is very big, therefore, manage costs is an indispensable work in the business credit card.
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