Hello, there is no handling fee for using a credit card to purchase Apple 6s in installments at the credit card mall. The premise is that your credit card must have enough credit limit. Installment purchases will deduct your credit limit at once and then repay it in installments. If there is not enough credit limit on the card, the purchase cannot be made. Invoices are usually sent together with the goods. If you don't receive them, you can call the merchant and ask. I hope it will be helpful to you!