1. Banks that use credit cards with long-term defaults of more than 2,000 yuan can sue customers and demand repayment

2. If your so-called "recommender" is a bank, Customers who already hold CITIC cards recommend other people to apply for the card and receive certain points or gifts. Such recommenders are not jointly and severally liable. The completion of credit card debts is the responsibility of the cardholder and has nothing to do with others