Generally speaking, cardholders do not need to pay handling fees when using CCB credit cards, because the handling fees are generally charged by banks to merchants. However, if cardholders use credit cards to withdraw cash, they need to pay a handling fee.

China Construction Bank credit card withdrawal fees are as follows:

1. Within China: 0.5% of the cash amount is collected, with the lowest 2 yuan per transaction and the highest 100 yuan per transaction.

2. Overseas (UnionPay network): cash amount 1%+ 12 yuan, with a minimum of 14 yuan per transaction.

3. Overseas (non-bank network): 3% of the cash amount is charged, with a minimum of USD 3/transaction (European tourist card: EUR 3/transaction).