First of all, credit card online payment banks will not charge cardholders a handling fee. Secondly, most shops really don't charge fees (shops don't charge).

However, there are indeed a few shops that will prompt that there will be a handling fee for credit card payment when purchasing (these sellers are marked as not supporting credit cards), and the deduction ratio of the handling fee is 1%, but it is not collected by banks, whether it is collected by Taobao or by sellers. I don't know.

There are many kinds of goods on Taobao, so you don't have to buy them in designated stores. If you encounter such a charge, you can pay it with a savings card or buy it at another store that supports credit cards.