Chongqing Rural Commercial Bank can repay the credit card in full or according to the minimum repayment amount if it cannot be borrowed in installments.

1. If the credit card cannot be repaid in installments, those who have the ability can choose to pay off all the current bills within the specified repayment period.

2. If it cannot be paid off in full within the specified repayment period temporarily, the cardholder can choose to pay back the minimum repayment amount first. Because as long as the cardholder guarantees to pay the minimum repayment amount of the current bill of the credit card before the repayment date (inclusive), it will not cause overdue.