Hello friend:

The Bank of China Urban Colorful Card you mentioned is a credit card that can be used for consumption at all POS machines. If you have done online banking, you can also make purchases online. If you bind a third-party payment platform such as Alipay, you can shop online or pay utility bills!

There are many ways to repay: 1. Go to the bank counter to repay directly and get it to your account in real time.

2. Self-service repayment at Bank of China’s self-service teller machines will also arrive in your account in real time.

3. Apply for a Bank of China debit card and bundle it with the credit card for automatic repayment. This is the most time-saving method, but you must ensure that there is enough money in the debit card.

4. There is no handling fee for repayment through the credit card repayment function on third-party payment platforms such as Alipay, Yibao Pay, Kuaiqian, etc., but the arrival time of different banks does not vary. It's exactly the same. It usually takes about one or two days to arrive in your account. If you want to use this method to repay, you have to make a good advance payment.

5. Lakala in some supermarkets can also accept credit card repayments.

Let me talk about these methods first, they are enough. I hope my answer can be of some help to you! Remember, you must pay off your credit card on time, otherwise you will be charged a lot of late fees!