There is no handling fee for normal credit card consumption. The most common ways to use credit cards are offline credit card consumption and online mobile payment consumption. As long as the cardholder can repay the credit card bill within the specified repayment date, there will be no additional interest and formalities. If the cardholder automatically handles the installment payment business when swiping the card, then in this case, the corresponding procedures will be generated according to the number of installments.