By stages, the lowest handling fee is the credit card of the four major banks of workers, peasants and China Construction and the Postal Savings Bank;

Taking 12 as an example, the handling fee rate of the above five banks is 0.6% per month, and other banks (except local city commercial banks) are higher than these banks;

Joint-stock commercial banks, such as Minsheng, China Merchants, China Everbright and Shanghai Pudong Development Bank, have higher handling fees, among which Shanghai Pudong Development Bank is the highest.

CITIC Bank's answer is slightly higher than that of China Construction by Workers and Peasants, and lower than that of China Merchants and Shanghai Pudong Development Bank, so the previous answer is not accurate.

Prompt 1: Although the four major banks of China Construction Industry, Agriculture and Workers have low handling fees, the application is more difficult than other banks, and the credit line is lower than other banks under the same conditions. This is why you can't have your cake and eat it.

Tip 2: The handling fee rate of Bank of Communications is 0.72% per issue, but it is relatively easy to apply and widely distributed.