Legal subjectivity:

After applying for a credit card, a credit card contract relationship is formed between the cardholder and the bank. After lending the money charged on your credit card to others, a loan relationship is actually formed between the cardholder and the actual card user, but this relationship is not enough to counter the credit card contract relationship between the bank and the cardholder. If the actual card user fails to repay the amount as agreed, the credit card holder must repay the money on his behalf. After all, the money was deducted from the card holder's credit card. So now the only option is to repay the money first and then ask your friend for it. If your friend really doesn't want to repay the money, you can collect evidence and then file a lawsuit with the court.