Credit card repayment does not require the online banking function to be activated. It is up to the cardholder to decide whether to activate it or not, but banks generally default to enabling online payment functions with credit cards.

There are many ways to repay credit cards. You can bring cash directly to the bank counter or ATM machine to repay on your own; you can also repay through online banking; in addition, third-party online payment platforms can also repay, such as Alipay, Tenpay, etc.