1. The one-time charging method is adopted, and the amount of handling fee that the cardholder needs to pay is equal to the actual installment amount × the cardholder's handling fee rate. The handling fee shall be recorded on the first billing day after the transaction is completed, and the full amount shall be recorded in the minimum repayment amount of the credit card. For cardholders, the repayment pressure on the first billing day is great.
2. In case of installment, the amount of handling fee payable by the cardholder in each installment = actual installment amount × monthly handling fee rate of the cardholder. The handling fee shall be recorded monthly according to the number of transaction periods from the first billing date after the transaction is completed, and fully included in the minimum repayment amount of the credit card. This collection method can spread the repayment pressure on each billing date.