If you can't pay the full amount in installments, you can only pay the minimum amount without affecting your credit. There are many ways to repay credit cards that are free of charge:

1. Cash repayment at bank outlets. This is the most direct method, but the disadvantage is that you must go to the credit card bank before the repayment date.

2. Repay at the bank self-service terminal. If there are many people in the bank, you can pay at the credit card repayment self-service terminal without waiting. But sometimes it will take a day or two.

3. Binding debit card for automatic repayment. This method is better, just open a card in the bank and bind it. As long as there is enough money in the debit card, you don't have to worry about the time and amount of repayment, and the bank will draw it away by itself.

3. Provide online repayment on the third-party platform. Now online repayment methods such as Alipay and UnionPay Online are popular. There are many banks' credit cards that can realize online repayment, and there is no handling fee.