1. Download the Xiamen Rural Commercial Bank Youcaibang app.

2. Log in to the Rural Commercial Bank mobile banking client on your mobile phone.

3. Click "Credit Card" on the homepage of the mobile banking client.

4. Click the repayment button on the "Credit Card" page.

5. Select the credit card that needs to be repaid, click "Repay Now", query and select the corresponding currency for repayment.