1. According to the credit card contract, the credit card shall not be transferred to others, and all responsibilities arising from lending it to others shall be borne by the cardholder. \x0d\2。 Overdue credit cards will affect your friend's credit history. \x0d\3。 If the payment is overdue for more than 3 months, the bank has the right to sue the cardholder (your friend). According to Article 196 of the Criminal Law, the cardholder has been suspected of malicious overdraft. \x0d\4。 The current relationship belongs to the triangular debt relationship. Your friend borrows money from the bank and gives it to others. \x0d\5。 At the instigation of your friend, the card used by others was authorized by your friend. \ x0d \ x0d \ solution \x0d\ 1. Please ask your friend to find the cardholder as soon as possible and ask him to write a debit note or credit card statement. \x0d\2。 Collect the arrears as soon as possible, return them and keep the bank repayment voucher. \x0d\3。 Let friends bring IOUs and repayment vouchers, find a lawyer to file a lawsuit against the cardholder and apply to the court for compulsory execution.