No, the credit card only needs to pay back the amount consumed during the billing period without any handling fees. If there is a handling fee, it is charged by the third-party platform, and the bank itself does not charge a repayment handling fee.

If you repay from a third-party platform such as Alipay or WeChat, the platform will charge a service fee of 0.1% of the repayment amount. Some platforms will give users a certain repayment limit, and the excess will exceed the repayment limit. A handling fee is charged.

If you use the bank’s credit card APP to repay, there is no handling fee. The China Merchants Bank credit card APP is called Palm Life, the Bank of Communications credit card APP is called Pay the Bill, the Everbright Credit Card APP is called Sunshine Hui Life, the CITIC Bank Credit Card APP is called Dongka Space, the Shanghai Pudong Development Bank Credit Card APP is called Puda Xiben... There are many credit card APPs, and they are all different. Once listed, you can check the details. Generally, bank staff will remind you to download the corresponding APP when applying for a credit card.

There are also some banks that do not have a dedicated credit card APP. The same APP is used for debit card business and credit card business. China Construction Bank has only one APP, called China Construction Bank, which can handle all businesses; Ping An Bank also In this way, there is only one APP called Ping An Pocket Bank. There is definitely no handling fee for repayment using the bank’s official APP.

In addition to the bank’s official APP and third-party platforms, you can also use China UnionPay’s APP “Union Quick Pass” to repay. Union Quick Pass is very easy to use, there is no handling fee for repayment and it is very convenient. Cloud QuickPass is a mobile payment APP jointly developed, constructed, and maintained and operated by China UnionPay under the guidance of the People's Bank of China, together with commercial banks, payment institutions and other industry parties. Cloud QuickPass can be bound to all banks' cards. It is very convenient to check the balance of the debit card and the repayment amount of the credit card. One APP can handle the repayment of the credit cards of all banks. There is no need to download so many bank APPs and there are no handling fees.

There is no handling fee for repayment using the bank's official APP or UnionPay's UnionPay QuickPass. There is no need to repay on Alipay or WeChat, which is a waste of money.