You can act as a guarantor for your parents to repay the loan. The following are instructions:

1. Guarantor responsibility: Parents, as guarantors, will bear part or all of the debt liability. If you are unable to repay your credit card balance, the bank may pursue the guarantor for repayment.

2. Increased credit reliability: Having a parent's guarantee can improve your credit reliability with the bank, especially if your own credit rating is low. This may increase your chances of getting a loan or other credit product.

3. Financial risks: However, it is important to note that if you fail to repay the balance on time, this may bring financial risks and stress to your parents. Make sure you can meet your repayment obligations and communicate with your parents in detail to fully understand whether they are willing to serve as a guarantor.

4. Check the legal provisions: The laws of different regions may have different responsibilities for the guarantor. Please confirm the specific provisions of local laws on the rights and responsibilities of the guarantor.

Summary: If you are confident that you can repay your credit card balance on time, and after full discussion with your parents, they agree to be your guarantor, then they can help you repay the loan. However, it is important to understand the risks and comply with local laws.