Yes There is a handling fee for long-term borrowing or long-term borrowing by CITIC Credit Card. After long-term credit card borrowing by CITIC Bank, frequent borrowing will lead to loans overdue and affect personal credit reporting. After long-term borrowing by CITIC Credit Card, overdue loans will be repaid appropriately for users, and credit will be collected at the meeting, which will affect the use of mortgage and car loans.