Between 1%-3%. Generally speaking, the handling fee for repaying a credit card depends on the regulations of the institution that repays the credit card. If a dedicated person is responsible for repaying the credit card, the handling fee is generally between 1% and 3%. Simply speaking, the operation of credit card repayment is that the intermediary agency first repays the overdraft limit that is about to expire, and then uses the card to spend all the repayment amount not long ago.