1, it must be wrong for you to lend your credit card to others, and the bank itself does not allow it. The responsibility for repayment is still yours. So, you need to pay back the money from the bank first. Otherwise, your bank credit record will be poor and the bank will sue you.

A friend borrowed your credit card with your consent. I'm afraid it's not fraud, and the public security organ will not file a case. So, you can only sue him directly.

3. Pay attention to collecting relevant prosecution evidence. In addition, you'd better find his family and property and see if it can be preserved before the lawsuit or repaid through his family.