First of all, it needs to be made clear that cardholders do not need to pay handling fees when using POS machines to make purchases. The handling fees for credit card purchases are collected by banks and UnionPay institutions from merchants.

So, you can use your credit card to make purchases in shopping malls. This will not charge any fees, and you will get points every time you swipe your card. When the points reach a certain level, it will help to increase the limit. However, it should be noted that there is a handling fee for withdrawing cash, so try not to withdraw cash from your credit card, otherwise the handling fee will be relatively high.