[vimy]

For standard credit cards in EU it’s mandatory to pay the full balance every month. And it doesn’t cost anything, there are no interest rates. Not sure how much banks profit on it, if there’s even a profit.

I think most banks only offer if because customers needed credit cards to order stuff on the internet. Before that they were very rare here.

Edit: I meant the credit is free but I pay like € 2 / month to have my card. So maybe that’s their profit.