Credit card handling fee. Credit card, also called debit card, is a kind of card issued by commercial banks and credit card companies. Its main function is to overdraw consumption. The charge for credit card authorization is the charge for credit card swiping, that is, the charge charged by banks and merchants for each swipe, which is generally charged at six thousandths of the amount. When cashing out, the merchant will charge more, so it will be deducted by 8.2%. The handling fee is a certain fee generated by the user in the process of handling things.