there are three ways to charge fees for credit cards in different places: swiping, withdrawing and repaying.

1. Credit card spending: If you want to use a credit card to spend money, there is no handling fee for credit card spending locally and in different places;

2. Credit card repayment: If you want to repay, as long as you do it through the same bank, there is no charge whether it is local or off-site, but if you repay across banks, there is a charge.

3. Credit card withdrawal: If you want to withdraw cash by credit card, you will have to charge a handling fee whether in the same city or in another place. If you withdraw cash by overdraft, you will have to pay an additional .5% daily interest.