Because inter-bank repayment (or remittance repayment at the counter) can be made through online banking, the credit card business in different places has been gradually liberalized, because CITIC, Minsheng, China Everbright and Shanghai Pudong Development Bank can accept credit card repayment at the bank counter, that is to say, if you hold CITIC credit card, you can also make direct cash repayment at the counter of China Everbright without remittance (remittance fee).