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 Credit Card? Can I apply for credit?  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, like my Agent or Third Party, to pay on my behalf? Can I enable third parties to pay on my behalf (Smart pay)? Can I make a payment through MyFinance? Can I pay charges before an invoice is issued? Can I pay invoices using credit notes?