Withdrawal fees are high. There are high handling fees for Yu'e Bao withdrawals and credit card repayments, but there is no handling fee for credit card repayments using Alipay. Yu'e Bao is a balance value-added service created by Alipay, a third-party payment platform. Through Yu'e Bao, users can not only get higher returns, but also consume, pay and transfer out at any time.