First, log in to the online merchant bank. You can download a mobile client of an online merchant bank, and then directly click the mobile APP of the online merchant bank to log in to the account.

Second, select the personal account interface: after logging in to the online merchant bank, click "My" in the menu bar of the page.

3. Click "Return Credit Card": You can see a column of "Return Credit Card" in the "My" interface, and click "Return Credit Card".

4. Click on the credit card displayed on the page: After clicking "Return Credit Card", if a credit card has been added before, just click on the added credit card. If it has not been added, please click the+sign on the right to add a credit card.

5. Enter the repayment amount: after clicking the credit card, you will be asked to fill in the repayment amount, fill in the amount you want to repay, and then click "Confirm Repayment".

6. Enter the payment password: after clicking "Confirm Repayment", the password input box will pop up, enter your payment password, and then click "Pay Now" to complete the steps of returning the credit card.

At present, it is free for online merchant banks to repay credit cards, which is one of the reasons why many people choose to use online merchant banks to repay credit cards.