This method includes using WeChat change balance to repay, binding a bank card for repayment, selecting preferential activities, etc.

1. Use WeChat change balance to repay: transfer the credit card repayment amount to the change balance of WeChat wallet, and use the change balance to make repayment. This method will not charge a handling fee, but you need to ensure that the user has sufficient change balance in their WeChat account.

2. Bind bank card for repayment: Bind the user's bank card in WeChat and use the bank card for repayment. Generally speaking, there will be no handling fee for repayment using a bank card, but please check whether the user's bank will charge relevant fees.

3. Choose preferential activities: Sometimes WeChat will launch some preferential activities, such as full discounts, cash rebates, etc. When you choose to participate in the activities during repayment, you can reduce the handling fee or get some discounts.