It is not illegal, but there is no handling fee when applying for a credit card. It is recommended that when applying for a credit card, you must go through a bank branch or log in to the bank's official website. Customers do not need to pay handling fees.

After applying for a credit card, if the number of uses is not enough, the bank will generally charge the user a certain annual fee. The charging standards of each bank are different, and the standard card is generally 50 yuan per year.

There are 6 types of charges during the use of credit cards, including interest, annual fees, late payment fees, over-limit fees, installment payment fees and loss reporting fees.