If you know the cardholder and are familiar with the cardholder, there is a way to secretly use the cardholder's card.

1. Call the customer service of the bank, modify the contact number, and change the mobile phone number of the card owner registered in the bank, so that the text message will not be sent to his mobile phone during consumption; 2. Secondly, change the billing address to your own address, change the email address to your own email address, or change the billing method to email address and provide your own email address. 3. Ensure the repayment on time every month, and there will be no account delay, bad records, bank collection, etc. 4. Just like upstairs said, kill the card owner. In this way, you can use this card unnoticed.