Is this a friend? Are you sure you didn't do anything wrong and people blame you? First of all, credit card borrowing is settled on a monthly basis. Your friend doesn't seem to have figured out what to do with the money. This is definitely not the rhythm that can be repaid in the short term. Secondly, he can come up with this method, which is probably made by credit card. Get to know it. If he has never done it himself and asks you to do it, then this person's character is probably bad. Credit card arrears will definitely affect your reputation for life, and you may even go to court. Finally, are you sure this is not a liar? You look like a liar.