Whether there is a handling fee for credit card repayment generally depends on the repayment method. If the cardholder chooses to repay in full, there are generally no handling fees and interest. If you choose to repay in installments, repayment fees will be charged based on the number of installments. If you choose to repay the minimum repayment amount, there is generally no handling fee, but recurring interest will be charged at a daily interest rate of 0.5%.

In addition, the repayment channel is also an important factor affecting the handling fee. WeChat charges 0.1 of the repayment amount as a handling fee for credit card repayments, and 0.2 for repaying credit cards on Lakala. When repaying money at bank counters or ATM machines, there is generally no handling fee. There is no handling fee for automatic repayment when binding a debit card from another bank. When binding a credit card from another bank for automatic repayment, a handling fee will be charged based on 0.1 to 0.2 of the amount. When repaying through online banking, most banks do not charge handling fees. Currently, only a few banks charge a handling fee of 0.1 per amount.