A friend borrowed a credit card to spend money and wrote a debit note. Is it legally binding to write a certificate of responsibility?
Such an instrument has no legal effect, but it can be used as supplementary evidence for the IOUs. The IOU is valid. As for the proof, it does not have the effect of exempting the third party. In other words, the bank will not recognize this "proof", and the debt will be borne by the credit card owner, no matter who spent the money. I hope I can repay the credit card arrears in time. After a long time, not only must I bear the penalty interest, but I am also suspected of credit card fraud when the amount is large.