No, the credit card only needs to repay the amount spent in this billing cycle, and there is no handling fee. The case of charging is that the third-party platform charges, and the bank itself does not charge repayment fees.

2.

If repayment is made from a third-party platform, the platform will charge a service fee of 0. 1% of the repayment amount, and some platforms will give users a certain repayment amount, and the part that exceeds the repayment amount will be charged a handling fee.