There is no handling fee for spending by credit card.

There is a handling fee for installment payment by credit card.

ICBC credit card installment fee:

Handling fees for the third installment 1.65%, 6 installment 3.6%, 9 installment 5.4%, 12 installment 7.2%, 18 1.7%, and 24 installment 15.6%.

Bank of Communications credit card installment fee:

The handling fee of 0.72% for each issue is: 3/6/9/ 12/ 18/24.

Credit card installment fees vary from bank to bank.