Legal analysis: 1. If the credit card is stolen by a friend, his actions are suspected of credit card fraud, and it is recommended to call the police;

2. If the credit card is used with the approval of the party concerned, If you use a credit card, it is a civil case, and you should file a lawsuit in court to demand repayment;

Legal basis: Article 196 of the "Criminal Law of the People's Republic of China" Under any of the following circumstances, a credit card Those who engage in fraudulent activities if the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, they shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated: ( 1) Using fictitious credit cards; (2) Using invalid credit cards; (3) Pretending to use other people’s credit cards; (4) Malicious overdrafts.