The conclusion is that credit card fees are usually paid by merchants to UnionPay, and consumers do not have to bear it. If merchants ask consumers to pay, they should refuse and complain. The handling fee of POS merchants varies according to different types, such as supermarket .38%, general merchants .78%, jewelry catering and entertainment 1.25%, and the wholesale market has the highest 26 yuan capping fee. The following are some precautions about the use of credit cards:

1. Avoid swiping cards during non-business hours: try to use them after 9: am and before 11: pm, so as to avoid the situation that the store opened early or closed late.

2. Avoid swiping the whole number: When spending, try not to swipe the whole number, such as 1 or 5. It is recommended to keep the decimal point, and the amount of swiping the card should not be repeated each time to avoid the regularity.

remember, the responsibility for the payment of credit card fees is usually not borne by consumers. If you encounter abnormal requirements, be vigilant and seek official channels to solve them.