First you need to determine who the credit card holder is. If the credit card belongs to the employee personally and the employer does not provide guarantee or other related relationship, the employee's "default in credit card repayment" is his personal behavior, and the responsibility is borne by him personally and has nothing to do with the employer. If the credit card holder is the employer and the employee uses the credit card for work, the employer should repay the credit card. If an employee fails to perform his or her job duties, resulting in "default on credit card repayments," the work unit can handle it according to the work system.