The solution for a friend who uses his own credit card and refuses to pay it back is as follows:

1. According to national policies and regulations, if you lend your credit card to others, you still need to bear the debt yourself. If the other party does not return it, the cardholder can only try to communicate with the other party to solve the problem. If reconciliation cannot be achieved, then he will have to bear the responsibility.

2. If your credit card is stolen by a friend, then the behavior is suspected of credit card fraud and you can call the police.

Negotiation for credit card overdue for more than 3 months:

1. If the credit card holder is overdue for more than three months, the cardholder can first pay off part of the outstanding balance and then contact The card-issuing bank informed it of its strong intention to repay the card.

2. Inform the card-issuing bank that your repayment ability is limited and you hope to negotiate repayment.

3. In most cases, if the bank agrees to suspend the interest installment, it will not agree to reduce or reduce the overdue interest and penalty interest. Cardholders can choose a method that suits them to handle the repayment business.

How to solve the problem of being sued by the bank for credit card debt:

If you are sued for not paying the credit card debt, you can negotiate privately with the other party, repay the loan in installments, and then reach mediation. . If you owe a credit card and file a lawsuit with the bank, you may not necessarily go to jail. This depends on the specific circumstances. Failure to repay a credit card debt when due is a breach of contract in civil law, and the debtor shall bear corresponding liability for breach of contract in accordance with the terms of use of the credit card. Under normal circumstances: If a cardholder maliciously overdrafts a credit card of more than 10,000 yuan for the purpose of illegal possession, and if the card-issuing bank fails to return it for more than 3 months after two collections by the card-issuing bank, he will be held criminally responsible for credit card fraud.

To sum up, using credit cards requires rationality, and our credit cards can only be used by ourselves. If we lend them to others and incur debts, and they do not repay them, there is nothing we can do.

Legal basis:

Article 196 of the Criminal Law of the People's Republic of China

The crimes of credit card fraud and theft include the following circumstances 1. Whoever commits credit card fraud and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than five years and ten years. Not less than 10 years of fixed-term imprisonment or life imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan. Or confiscation of property:

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

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(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft.