If you repay the money after one year, it will be a credit card loan. The interest rate is much higher than that of a direct loan, and it requires certain procedures, which is not cost-effective. ! ! ! --Just follow what Passionate Flying 58 above said, pay it back first, and then continue to borrow it, once a month, --this way you don't have to pay interest. ! --Or use two or more credit cards interchangeably.