First of all, the store won't charge you a handling fee. If there is a handling fee, it is only your issuing bank that charges you. As long as there is no installment in your bill and there is no overdue payment, there will be no handling fee. If you choose to pay by installment, the issuing bank will charge you the corresponding handling fee. The bill can be divided into 3.6.9. 12.24 installments. The more installments, the higher the handling fee!