Initiate a civil lawsuit directly through the court, requiring the other party to return the credit card and pay off the overdraft amount and interest.

Evidence:

1. Bank statement or reminder note.

2. Deposit receipt issued by the bank?

3. You can apply to the court to collect evidence, such as the signature and identification when the card is swiped and the video recording of the other party's bank withdrawal, etc. You can report the card as lost first and then negotiate a solution. If negotiation fails, you can then sue.

After applying for a credit card, a credit card contract relationship is formed between the cardholder and the bank. 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 pay back the money first, and then ask your friend for it. If your friend really doesn't pay back, you can collect evidence and then file a lawsuit with the court.

Bad credit records will be retained by the bank for 5 years after repayment before deleting them. The 5-year retention period starts after the loan is paid off. Don’t mistakenly think that bad records will disappear automatically after 5 years, so you don’t have to pay back the money you owe. Don’t think that if you cancel the card after repayment, the bad records will be eliminated. Extended information

Consequences:

1. If you really do not have the ability to repay, you should negotiate with the lending institution to extend the repayment period or repay in installments.

2. If the lending institution fails to fulfill the court judgment during the performance period after winning the lawsuit in court, it will apply to the court for enforcement.

3. When accepting compulsory execution, the court will inquire about the properties, vehicles, securities and deposits in the name of the lender in accordance with the law.

4. If the lender has no property available for execution and refuses to fulfill the effective judgment of the court, negative information such as overdue repayment will be recorded in the personal credit report and the person will be restricted from high consumption and entry and exit. , and may even be subject to judicial detention.

Baidu Encyclopedia - Credit Card Overdraft

Civil Procedure Law of the People's Republic of China - China Courts Network