If it is in China, there is no handling fee for credit card consumption. Merchants want to collect, money is collected by merchants, and it has nothing to do with banks. I suggest you communicate with the merchants further.

If it is overseas, through foreign card networks, such as VISA, MasterCard, JCB network.

In the case that the card is standard platinum level or above, or the card itself is a VISA/ MasterCard /JCB single identification card, the foreign currency of the transaction will be automatically converted into RMB by CCB according to the foreign exchange purchase exchange rate on the entry day, and no currency conversion fee will be charged.

For ordinary cards and gold cards, there is no currency exchange fee for foreign currency transactions, just like your card. On the other hand, if the foreign currency of your card is different, the bank will charge 1.5% currency exchange fee. When repaying, you can choose to purchase foreign exchange on the same day through CCB online banking, mobile banking, WeChat or customer service hotline.

Through the UnionPay network transaction, the foreign currency traded is directly converted into RMB at the UnionPay exchange rate, and no currency conversion fee is charged.