In JD.COM, there is no handling fee for credit card payment and credit card consumption in Joyo, but there is a handling fee for cash withdrawal or transfer.

For example, according to the regulations of China Merchants Bank, under normal circumstances, the daily withdrawal limit is 2,000 yuan, and the handling fee is charged at 1% of the withdrawal amount, with a minimum charge of 10 yuan. In addition to the formalities, interest of five ten thousandths of the cash withdrawal amount is charged every day.

To transfer money by credit card, you must have a debit card of the bank and open one of telephone banking, online banking and mobile banking. Cardholders must pay the bill and related expenses after transferring cash in advance. Charge five ten thousandths of interest every day, plus related handling fees.