If friends can't use their own credit cards, then the parties need to go to the issuing bank or the local bank headquarters to explain. Show the evidence that you didn't use the credit card and your friend used the credit card, and then the bank will cooperate with the prosecution of the criminal suspect who actually used the credit card. Attitude is very important, take the initiative to explain the actual situation to the local card department of the issuing bank. Don't avoid it, or the bank will think that you have defaulted maliciously. Even if it can't be repaid in full, try to show sincerity in part.