Don't worry, as the cardholder of China Bank's credit card, you will not be charged a handling fee by China Bank, and there is no such thing as calculating the handling fee.

However, your credit card channel (UnionPay or International) may lead to different settlement currencies, resulting in exchange fees. If your credit card bears the UnionPay logo, take the UnionPay route and settle directly in RMB in consumption abroad without any charge; If your credit card bears the Visa logo (dual-currency credit card) and takes the international route, then the foreign consumption will be settled in US dollars, which will result in the exchange fee between the two currencies.