Because the lender is you, the bank can only deduct the loan from your card, but not from the card of someone whose name does not match the lender.

For banks, it is a very simple matter, as long as the name and card number set in the computer are changed, but from a legal point of view, it is not possible. So the bank won't agree.

If your parents' bank card is the same as yours, in order to reduce the trouble of transferring money to the counter, you can apply for a bank card with your parents' passbook and open online banking. You just need to transfer the money to the loan repayment bank card in your computer every month, and there is no handling fee.