Generally speaking, both methods are acceptable, because it is more convenient for China Industrial and Commercial Bank to repay by credit card. These methods are as follows:

1. The ATM of the bank deposits directly on the credit card;

2. Bind the credit card with the bank card and set up automatic repayment;

3.ATM inter-bank transfer repayment;

4. Repayment through online banking transfer or inter-bank transfer;

5. You can also transfer money through WeChat wallet or Alipay (inter-bank transfer is free).

I hope these answers will satisfy you. Don't miss the repayment date, it will be very troublesome.