2. How to use credit card repayment. If you don’t want to accept the credit card installment fees and interest, borrow money through repayment. After borrowing, you can pay off the credit card bill through low-interest installment mode, and then pay off the credit card bill every time. Monthly repayment of recharges and repayments will be a great boost to personal credit if the repayments are timely. It will be very convenient when you apply for a loan next time.