Credit cards cannot be lent to others, and all risks incurred after lending are borne by the person. Now he can only pay it back by yourself, so you should take the card back immediately. If the other party doesn't pay, you will immediately call the customer service hotline to freeze or replace the card. The so-called card maintenance is actually an illegal use of the card. If the bank finds out, your card may be frozen or deactivated. . If you can apply for installment now, please apply for installment first. If it is overdue, you can negotiate with the bank to see if you can return it in installments