Under normal circumstances, when cardholders use ICBC mobile banking or online banking for credit card repayment, they can only choose China ICBC debit card as repayment account. If there is no ICBC debit card, the cardholder will not be able to choose the repayment account. However, cardholders can complete credit card repayment through third-party channels. If there is a problem in the repayment process, the cardholder can contact ICBC online customer service for consultation.