This is possible. How many credit cards do you accept or one credit card? If you pay the down payment in installments, they will charge you an installment fee, but not a credit card fee. Under normal circumstances, pos bank or UnionPay will charge the merchant's handling fee. If the merchant transfers it to you, it is illegal. Otherwise, the score may not count. It is meaningless to buy a car or a house normally.

In addition, according to the usual practice, no handling fee can be charged anywhere.