1. Credit card loan reason: If the owner chooses to use a credit card loan, he has to pay a certain handling fee. Credit card loans involve the services and capital transfer of credit card institutions, and the handling fee is to cover related costs and risks.

2. Reasons for financial institutions: Financial institutions that cooperate with 4S stores will also charge a certain handling fee. The handling fee can cover the cost of loan approval, risk assessment and fund disbursement. Financial institutions should also make some profits to maintain the sustainable development of their business.