Is the debit note written by a friend with his ID card legally valid?

It has legal effect. It is suggested that you do not need your ID card to lend your credit card to others, and the lending consequences may be very serious.

I lent my credit card to someone else, and then asked him to write an IOU. How to write an IOU

The basic contents include:

Creditor's name, loan amount (principal), interest calculation, repayment time, penalty for breach of contract (delayed repayment), handling method, debtor's name, loan date and other elements.

as long as the creditor's name, loan amount, debtor's name and loan date (although added later) are available, they meet the main requirements of the IOU, so they have legal effect.

Extended information:

1. Personal IOU

Reason: I borrowed ×××1 yuan RMB (one thousand yuan) today due to personal financial constraints

Borrower: ××× (signature)

Loan date: April 1, 29, repayment date: August 1, 29 < If Party A fails to return the goods on time, pay the liquidated damages.

signature of party a:

date:

3. personal loan

party a xxx (id number:) received RMB from party b xxx (id number:) today. (in words)

The term of the loan is: years, from year to year.

The loan interest is: ..

Borrower's signature:

Date: