Huabei can use family cards to repay. The amount in the family card is the amount in the Alipay account of the card giver. This amount does not belong to the loan, so it can be used to return Huabei. Huabei can only repay in cash, and the amount in the family card belongs to cash. In addition, if you use a family card to return Huabei, the returned amount will be deducted from the Alipay account of the recipient of the family card, which requires that the other party's Alipay account has sufficient balance. Huabei can use family cards to repay, but cannot use credit cards to repay. The credit limit on your credit card is a credit limit. This credit limit is not cash, so it cannot be used to repay the loan. As long as Huabei repays on time, there will be no overdue records and overdue interest. As for the repayment method, users can freely choose, and the repayment effects of different methods are the same. Users can only use the family card Huabei within the limit. If the limit is exceeded, the family card cannot be used.