Credit card 1000 yuan is free of charge. However, the cardholder does not need to pay the handling fee for spending 10000 yuan by credit card, but the payee needs to pay the handling fee of 0.6% of the credit card amount, and the handling fee for 10000 yuan is 60 yuan. It's not the same as collecting money from merchants. 1. Class I merchants mainly include catering, entertainment, jewelry and gold ornaments, handicrafts, etc. The service charge rate of these businesses is usually between 2% and 2.5%, that is, consumption 1 10,000 yuan, and the service charge of about 200-250 yuan needs to be deducted. 2. Second-class merchants The second-class merchants mainly include wholesale merchants, automobile sales merchants and real estate merchants. The handling fee rate of this kind of merchants is 1%, that is, if you spend 10000 yuan with a credit card, then the merchants will deduct 1000 yuan. 3. Three types of merchants Three types of merchants mainly include supermarkets, gas stations and air ticket sellers. The handling fee rate of such merchants is 0.5%- 1%, that is, the credit card consumption is 1000 yuan, and the handling fee is about 50- 100 yuan. 4. Four types of merchants Four types of merchants mainly include public schools and public hospitals. The handling fees of such businesses should be based on the regulations of various regions, and the handling fees in different regions are different. 5. Five types of merchants Five types of merchants refer to general merchants, and the commission rate of general merchants is 1% to 3%.