Credit card holders can download the special mobile app or mobile banking of the issuing bank, and there is no handling fee for repayment. At the same time, there are app credit cards such as Lacarra and China UnionPay Express, and there is no handling fee for repayment. In addition, Alipay users have a free amount of 2,000 yuan per month to repay their credit cards through Alipay. As long as the repayment amount is below 2,000 yuan, there is no handling fee.