you don't need to pay a handling fee for swiping your card, but you need to pay a handling fee if you cash out or withdraw your cash, and the latter will also pay interest when you withdraw your cash \xd\1. Consumers don't need to pay extra card fees to commercial banks or special merchants when they use POS to swipe their cards, and the amount they need to pay is the price of the purchased goods. \xd\2. No matter whether the card is held locally or in another place, at the bank or across banks, there is no need to pay any handling fee for holding UnionPay cards for POS credit card consumption. \xd\3. However, merchants who use POS machines to settle accounts have to pay settlement fees to UnionPay, so businesses with small fees are generally reluctant to charge their cards, especially some small shops. \xd\4. If they are asked to charge extra fees for spending by swiping their cards under various excuses and reasons, they must refuse this unreasonable request and report it to the issuing bank or call UnionPay customer service hotline. You can also ask the merchant for a receipt or proof (such as an invoice) for the additional handling fee as evidence of the complaint.