Are there any fees charged for paying online via China Epay? Are there any fees charged for paying online via Credit Card? Are there any fees charged for paying via SmartPay online? Are there any limitations on monetary amounts using ChinaEpay? Are there any limitations on monetary amounts using Credit Card? Are there any limitations on monetary amounts using SmartPay? Can I apply for credit?  Can I ask for refund on MyFinance? Can I change my payable party after bookings are placed?  Can I change the languages in MyFinance? Can I dispute my invoice if I disagree with what I've been billed? Can I enable someone else to pay on my behalf?