In credit card advance payments, there are generally two charging methods: handling fees and interest.

1. Handling fee refers to the fee charged for advance service, which is usually based on a percentage of the advance amount. The specific value of the handling fee will vary according to different financial institutions and service providers.

2. Interest refers to the interest expense incurred on the advance amount, which is calculated based on the advance amount multiplied by a certain annual interest rate.

3. Interest charges are usually calculated on a daily basis and settled monthly. There are differences in interest rates between different banks and credit card products, generally between 2-5.

4. The handling fee is a fixed fee charged by the bank or repayment agency to the cardholder to cover the related costs of credit card advance service. The value of the handling fee varies depending on banks, credit card products and repayment agencies, and is generally between 1-5. Specifically, if you choose a dedicated person to repay the credit card on your behalf, the handling fee is generally around 1-3; if you repay the credit card through a platform, the handling fee depends on the regulations of the repayment platform and may be different. At the same time, the handling fee may also be affected by factors such as the repayment period and the borrower's credit rating. In order to reduce credit card advance repayment fees, you can choose an installment method with a shorter period and negotiate with the bank or repayment agency to seek a lower fee interest rate.