Everbright Credit Card withdraws 5,000 yuan, and the handling fee is 20 yuan. The monthly withdrawal amount of Everbright Credit Card does not exceed 20,000 yuan, and the charging ratio is 0.4% of the deduction amount. If the withdrawal amount is 5000 yuan, the charge is 5000*0.4%=20 yuan's handling fee. This fee is to encourage cardholders to use credit cards reasonably, and also to protect the security of credit cards and ensure their normal operation.