Credit cards cannot be repaid within one year. As long as you use a credit card, you will accrue debt. Most bank credit cards have an interest-free period of about 20 to 50 days. Even though most banks will provide cardholders with personalized options of 2, 3, 6, 10, 12, 18 and 24 installments, they still have to repay on time. Credit card repayment methods include bank branch repayment, mobile banking repayment, third-party payment platform repayment, etc.