1. Credit card cannot be returned. Flower buds, like credit cards in essence, belong to a micro-credit business. The only repayment methods supported by Huabai are Alipay balance, Yu 'ebao balance and debit card balance.

2. The only way to repay Hua Bai by credit card is to withdraw cash by credit card first, and then repay Hua Bai. However, this method requires the cardholder to bear the interest of five ten thousandths of the daily withdrawal and the withdrawal fee. It can be said that the cost is high and it is not recommended to do so.