1, Bank of Communications credit card cannot be recharged to platforms such as Tenpay Alipay, so it cannot be recharged directly without consumption or cash withdrawal;

2. The reason for this problem is that in order to prevent the risk of credit card cashing, the central bank stipulates that all banks' credit cards will no longer be recharged to the tripartite platform, so credit cards can only be directly consumed and cannot be recharged;

3. Bank of Communications credit card directly consumes online, which counts as consumption and also has points;

4. Whether there is a handling fee depends on the merchant. As long as it is a credit card transaction, the bank will definitely charge a handling fee. Merchants who support credit cards will pay the handling fee, and cardholders have no handling fee. Unsupported merchants can still pay by credit card, but the handling fee needs to be paid by the cardholder.