First of all, credit cards cannot be transferred, so you said it is impossible to transfer and repay using a Bank of China credit card. So there is no such thing as handling fees and interest.

Secondly, there are many repayment methods for CMB credit cards. 1. Repay at the counter or teller machine of China Merchants Bank. (I think many people know this)

2. You can repay through a website called UnionPay Online or Kuaiqian. This is free of charge.

3. You can make a bank settlement for repayment at the counters of Everbright and Xingye, and there is also no handling fee. (There is a special window for Yinjietong at the counters of Everbright and Xingye. It will be clear when you go there and ask the staff there. Note that the Yinjietong service has a time limit, from 9 a.m. to 5 p.m.)

4. I don’t know where you are from. In some places, you can still pay with China Merchants Bank cards at convenience stores.