It is possible to recover the handling fee, but different banks have different refund rules. For example, Ping An, Xingye and China Merchants: full refund: cancellation in stages, full refund of handling fees, which will be added to the user's bill; Partial refund: when refunding, the bank cancels the original installment and re-initiates an installment transaction with the remaining amount, with the same number of installments.

Extended data:

Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Handling fee: expenses incurred in the course of handling affairs. The term "service fee" is interpreted as "procedures for doing things". For example, handling "loan procedures", "transfer procedures" and "securities trading procedures" and so on.

Therefore, "handling fee" can be interpreted as: a kind of labor remuneration charged for handling related matters on behalf of others; Or for the client, it belongs to the corresponding remuneration paid by others for handling related matters. Such as: securities transaction fees, agent ticketing fees, withholding fees, national debt agency fees and so on.

From the perspective of tax payment, all kinds of agency fees charged by operators should be regarded as taxable income and paid value-added tax; After deducting the relevant expenses, the income must also pay enterprise income tax. On the other hand, the withholding fee obtained for the tax authorities belongs to tax-free income, and there is no need to pay taxes such as business tax.