The handling fee of CITIC Bank's credit card is generally 0.5% to 0.6% of the consumption amount. When the cardholder swipes the card when shopping, the cardholder does not need to pay the handling fee, and this part of the money needs to be paid by the merchant. If you use a credit card for shopping, you only need to pay by credit card according to the price of the goods. The handling fees generated by using credit cards are all settled between merchants and banks.