Hello, the Shuxin Card should be a debit card issued by the Sichuan Rural Credit Cooperative Association, not a credit card for farmers (industrial) merchants. I can explain to you about the handling fee. You are withdrawing money. . The handling fee incurred when transferring money is not charged by the bank where you withdraw the money, but by your card-issuing bank. After receiving the handling fee, the card-issuing bank will return it to UnionPay in a certain proportion.