If you lend your credit card to someone else and there is no evidence that it has been used, you should go to the local police station to call the police.

According to the relevant laws of our country, if a credit card holder gives the credit card to someone else and the other person fails to repay the card after swiping the card, the card holder shall bear the responsibility, and the bank will pursue the credit card debt from the card holder. payment.

When the People's Procuratorate examines a case, it must ascertain:

1. Whether the criminal facts and circumstances are clear, whether the evidence is reliable and sufficient, and whether the nature of the crime and the crime are determined correctly;

2. Are there any omitted crimes and other persons who should be held criminally responsible?

3. Are there persons who should not be held criminally responsible?

4. Are there any Attached civil litigation;

5. Whether the investigation activities are legal.

Materials that can be used to prove the facts of the case are all evidence.

Evidence includes:

1. Physical evidence;

2. Documentary evidence;

3. Witness testimony;

4. Victim’s statement;

5. Criminal suspect’s and defendant’s confession and defense;

6. Identification opinion;

7. Inspection and inspection , identification, investigation experiments and other transcripts;

8. Audio-visual materials and electronic data.

Evidence must be verified to be true before it can be used as the basis for finalizing a case.

When reviewing a case, the People's Procuratorate shall interrogate the criminal suspect, listen to the opinions of the defender or duty lawyer, the victim and his agent ad litem, and record them in the record. If the defender or duty lawyer, the victim and his or her litigation agent submit written opinions, they shall be attached to the file.

If a criminal suspect pleads guilty and accepts punishment, the People's Procuratorate shall inform him of his litigation rights and the legal provisions on confession and punishment, and listen to the criminal suspect, defender or duty lawyer, the victim and his litigation agent to explain the following matters: Opinions, and recorded in the record:

1. The alleged criminal facts, charges and applicable legal provisions;

2. Suggestions on lenient punishment such as lenient punishment, reduced punishment or exemption from punishment. ;

3. Applicable procedures for case trial after guilty plea and punishment;

4. Other matters requiring hearing of opinions.

When the People's Procuratorate listens to the opinions of the duty lawyer in accordance with the provisions of the preceding two paragraphs, it shall provide necessary convenience for the duty lawyer to understand the relevant circumstances of the case in advance.

The content of the personalized installment repayment agreement should at least include:

1. Arrears balance, structure, currency

2. Repayment cycle and method , currency, date and repayment amount of each installment

3. Whether annual fees, interest and other fees will be charged during the repayment period

4. Cardholders will pay in personalized installments Commitment not to apply for a credit card from any bank before all amounts related to the loan agreement have been settled

5. Rights, obligations and liability for breach of contract of both parties

6. Other matters related to repayment matter.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service agency shall stop collecting payments from the cardholder, unless the cardholder fails to fulfill the installment repayment agreement. If an oral repayment agreement is reached, the card-issuing bank must retain the recording materials. The recording data will be retained at least until the date of settlement of the debt.

To sum up, if you lend your credit card to someone else and there is no evidence that it has been paid back, you should report it to the local police station.

Legal basis:

Article 69 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Credit card collection letters shall fully disclose the following basic requirements to the cardholder: Information: cardholder’s name and balance, reasons for collection and relevant regulations, cardholder’s relevant rights and obligations, ways to check account status, repayment, raise objections and provide relevant evidence, card-issuing bank contact information, relevant business seal, Other content specified by the regulatory agency.

When a card-issuing bank receives a cardholder’s objection to credit card collection, it shall promptly make a note on the relevant credit card account and carry out verification and processing.