In this case, you need to negotiate with the other party. If the amount is larger, you can file a lawsuit.

1. Credit cards can only be used by individuals according to regulations and cannot be used by others. If the amount is not large, you must repay it when it is due and then collect the debt from the other party. If the amount is too large to repay, choose minimum repayment or amortization. According to our country's policies, even if someone else borrows a credit card, you must bear the debt yourself.

2. If someone else uses their own credit card to make purchases and does not repay the money, it is recommended to pay off the credit card loan first, and then ask the other party to pay back the money. If the credit card is not paid off, the bank can hold the cardholder responsible. And if you default, you will incur high interest rates and credit problems. If the credit card is frozen and cannot be used, negative information such as late payment will be recorded on the personal credit card.

3. Late repayments with negative information are not permanently recorded in personal credit reports. China’s credit records are currently within 5 years. If a credit card loan is paid off, anyone can re-create their credit history and start over from scratch. Whether you commit a crime or go to jail depends not only on the borrowing period, but also on the principal amount of the credit card loan.

1. Regardless of the credit card in hand, if the payment is overdue, the bank will only collect debt from the credit card account holder, but not the credit card holder. In other words, the bank does not care who you give your credit card to or for what purpose. When the time comes, you will repay the bank unconditionally.

2. Some account holders may feel that they are wronged. Why should they pay back money for others when they have not spent a penny? So I stopped paying it back in anger. So what are the consequences of overdue credit cards? First of all, according to the credit card account opening contract you signed with the bank, if you fail to repay the credit card overdue, the bank will charge you a certain amount of late payment fees. At the same time, a bad credit record will be generated in the Credit Reference Center of the People's Bank of China. Any future credit card, car loan, or home loan applications will be affected. If the loan is not repaid for a long period of time, the bank will pursue collection, and may even sue to court, and then apply to the court for enforcement. If a credit card is maliciously overdrawn with a large amount, it will constitute a criminal offence.

Article 7 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks": Credit cards refer to various institutions that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with relevant banking services. Class media