jialeka is a credit card institution, and there is no need to pay it off in one year. Credit cards are generally repaid according to the billing cycle, which is generally one month. Cardholders need to repay the minimum repayment amount or full repayment before the repayment deadline of each billing period to avoid overdue fees and interest. Therefore, the cardholder does not need to pay off the credit card debt in one lump sum within one year. Please note that the specific repayment requirements may be different according to the policies of Jialeka. I suggest you contact Jialeka to learn more about the relevant repayment regulations.