Legal analysis: 1. You can file a civil lawsuit directly through the court, requiring the other party to return the credit card and pay off the overdraft amount and interest. However, it should be noted that it is difficult to obtain evidence. It is recommended that you actively negotiate with the other party to return the loan if you are embarrassed. Regarding card debiting, if the other party uses your debit card and then maliciously swipes away your deposits, you can ask the other party to return the corresponding money. If you are unable to pay back the money after a long period of time, it is recommended to collect evidence of the other party's use of the card and sue the other party in a timely manner and require the other party to repay the money. and pay corresponding interest. 2. There is a process of evidence collection for cases involving credit card borrowing and non-repayment, but one thing is certain, that is, the possibility of winning a lawsuit under such circumstances is low. (Evidence is required to prove that the credit card was borrowed, resulting in losses to the victim and has not been returned.) You can first report the card as lost and then negotiate a settlement. If negotiation fails, you can then sue.

Legal basis: Article 188 of the "People's Republic of China and Civil Code" The statute of limitations for petitioning the People's Court for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail. The statute of limitations shall be calculated from the date when the right holder knows or should know that the right has been damaged and the obligor knows. If the law provides otherwise, such provisions shall prevail. However, if it has been more than 20 years since the right was damaged, the people's court will not grant protection. If there are special circumstances, the people's court may decide to extend the time based on the application of the right holder.