Credit card users do not bear the handling fee, but only need to complete the payment according to the actual price of the goods. The handling fee generated in the consumption process is settled between the merchant and the bank. The handling fee charged by banks to merchants is between 0.5% and 0.6% of the actual commodity price.
Credit card: Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
References:
Baidu encyclopedia-credit card