On February 4th, 65438, I used Minsheng Credit Card to pay in installments at Tmall 23 10 yuan, and the message prompted me to deduct 2390 yuan. Call to reply manually, and the handling fee is more than 60 yuan. There is a handling fee for installment payment, and there will be a prompt when paying. If the credit card does not pay by installment, there is no handling fee. This fee is paid by Alipay first, and the credit card fee for this transaction will be paid to the bank after you complete the transaction and pay it to the seller. If you return the goods halfway, the handling fee and related amount will be fully refunded to your credit card. I am a seller and a buyer. I've used it myself and I've learned about it.