If you don't want to pay the handling fee, you can consider the following ways:

1. The cardholder carries the credit card to the bank counter for credit card repayment;

2. Download and log in to UnionPay's China UnionPay Express APP for repayment;

3. Download and log in to the online banking APP of the issuing bank, bind the bank card after logging in and repay the loan;

4. If the repayment amount is less than 2,000 yuan, you can consider using Alipay to repay. As long as the repayment amount is less than 2,000 yuan, there is no charge.