If Xiaogang uses Xiaoming's credit card and fails to repay on time, the resulting overdue payment and bad records will directly affect Xiaoming's credit.

If Xiaogang uses Xiaoming's credit card and fails to repay it on time, resulting in a serious debt, and Xiaogang has no ability to repay, then Xiaoming will have to bear this debt.

If Xiaogang uses Xiaoming’s credit card and is discovered by the bank (the credit card can only be used by himself for consumption and cash withdrawal), the bank will cancel Xiaoming’s card-holding rights.

In short, all adverse effects caused by Xiaogang’s use of Xiaoming’s credit card will be borne by Xiaoming.