2) If it is a normal credit card purchase ~ the profit of the goods should include the credit card handling fee ~ there will be no extra charge ~
3) There will be no handling fee for the pre-deposit part ~ If you withdraw money from the ATM, you will ~ ~ If the pre-deposit part costs HK, the bank settlement will help you change it into RMB ~ ~ As long as you don't take VISA and overdraft, there will be no handling fee problem.