Why is there a handling fee for Bank of Communications credit card Tmall payment?

Because that Tmall seller has not opened the credit card payment function, and your credit card exceeds the monthly limit. There is a free limit, and a 1% handling fee will be charged for the excess amount. On the Alipay payment confirmation page, you will be prompted with the option to "agree to pay a 1% handling fee". If you do not check it, you will not be able to pay with a transportation credit card.

Not all Tmall sellers support credit card payment. Most Tmall sellers support credit card payment, and a few Tmall sellers do not support credit card payment. Any Tmall seller that does not support credit card payment will generally not provide formal machine-printed invoices to buyers.

Use a credit card to pay. If the seller has not activated the credit card payment function, the buyer will enjoy a free limit of 500 yuan per card per month. If you consume within the free limit, there will be no handling fee. For consumption exceeding the free limit, if there is no replaceable credit card for payment, a 1% handling fee will be charged.

So, if the free credit card payment limit is used up, please choose Alipay or debit card payment to avoid incurring handling fees.

Is there any handling fee for using a credit card to purchase items on Tmall?

There is no handling fee for using a credit card to purchase items on Tmall. Buyers do not need to pay any fees when using credit cards to purchase goods on Taobao, while Tmall sellers need to pay transaction fees.

Extended information:

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.