Yes! Generally, it will be notified when the installment is handled. Once the processing is successful, it will take effect immediately. Even if it is cancelled or terminated in advance, the handling fee will still be paid. The handling fee is the fee charged for handling this business, which has nothing to do with your subsequent direct refund with the merchant. Because no matter whether you refund or not, the installment has been successfully processed, and it is not the bank that causes your refund. In other words, refund is a business between you and the merchant, and installment is a business between you and the bank. Credit card payment means that the bank pays the money for you first, and then you pay it back to the bank in installments. Refund doesn't mean you cancel the installment, so you still have to bear the installment fee.