Because first of all, this can't be returned by credit card. The bank will automatically deduct money from your debit card opened in Bank of Communications.

If you have to use it, you can only withdraw cash and deposit it on the debit card of Bank of Communications. But in this case, there will be handling fees and interest for cash withdrawal. These expenses are very high.

Credit card points can only be earned by buying things in the store, and there are no points for cash withdrawal.

It should be reminded that you have a provident fund every month, so it is possible to deduct the balance of the provident fund every month to pay back the monthly payment. It's not specific. You have to ask the bank staff.