You can go to the branch of another bank, which can be China Construction Bank, Industrial and Commercial Bank of China, Bank of China, etc., and use the transfer method to transfer the money to your Industrial Bank credit card account for repayment.

When transferring money, please fill it in as follows: payee's name (and indicate "credit card repayment" in the purpose column), payment account number - credit card 16-digit card number, receiving bank - Industrial Bank Local branch of the bank (if there is no local branch of Industrial Bank, the beneficiary bank should fill in: Industrial Bank Shanghai Branch). Funds will arrive in your account within 1-3 days.

However, there is a handling fee for inter-bank repayment, which seems to be 10 yuan per lump sum

You can use Tenpay to repay online without handling fees