China Merchants Bank credit cards can be repaid in advance in the following ways:

1. Log in to the Pocket Life APP account of China Merchants Bank to enter its page, and then click the "My" option in the lower right corner.

2. Select and click the "Repayment through Audit" option on the "My" page.

3. See the amount to be repaid in this period, and then click "Audit" and "Repay immediately" in turn.

4. According to the system prompt, enter the corresponding repayment amount.