1. Debit card repayment: Users can bind the CMB credit card to the CMB debit card. On the repayment date, the funds from the debit card will be automatically deducted from the credit card to repay the credit card.

2. Palm Life repayment: Users can log in to the Palm Life app, click "All" on the main page, swipe down to find "Check and Repay" in the credit card column, and repay according to the page prompts.

3. Third-party platform repayment: If the user's China Merchants Bank credit card is bound to a third-party trading platform such as WeChat or Alipay, the amount from the third-party trading platform can also be used for repayment.

4. Repayment at the outlet counter: Users can go to the China Merchants Bank counter outlet to find staff for cash repayment.