After handling a credit card, a credit card contractual relationship is formed between the cardholder and the bank. After lending the money in your credit card to others, there is actually a loan relationship between the cardholder and the actual cardholder, but this relationship is not enough to counter the credit card contract relationship between the bank and the cardholder. If the actual cardholder fails to repay the loan as agreed, then the credit card holder must repay the loan on his behalf. After all, money is swiped from the cardholder's credit card. So now you have to pay back the money first, and then ask your friends for it. If friends really don't pay back, we can collect evidence and sue in court.