1. Direct refusal: If someone borrows a loan card, you can directly refuse, explaining to the other party that it is not convenient to lend the card to others.

2. Propose other schemes: You can propose other repayment schemes to the other party, such as asking the other party to apply for a credit card or debit card, or helping the other party find other ways to borrow money.

3. Reasons for refusal: If you don't want to refuse directly, you can explain your concerns and reasons for refusal to the other party. For example, the bank stipulates that you can't lend your card to others, or you are worried about risks and disputes.