Legal Subjectivity:

If your credit card is swiped by a friend, you do not need to negotiate with the other party. If the amount is large, you can file a lawsuit. Because your credit card affects your personal credit. According to regulations, credit cards can only be used by individuals and cannot be used by other people. If the limit is not large, it is recommended that you repay the loan when it is due and then ask the other party for the debt. To avoid affecting your personal credit, if the credit limit is large and you are unable to pay off the full amount, you can choose to pay in installments. Legal objectivity:

Article 119 of the "Civil Procedure Law" A lawsuit must meet the following conditions: (1) The plaintiff is a citizen, legal person or other organization that has a direct interest in the case; (2) There is a clear defendant; (3) There are specific litigation claims, facts and reasons; (4) It falls within the scope of the people's court to accept civil litigation and the jurisdiction of the people's court subject to the lawsuit.