Legal analysis: It is ok as long as it is legally lent, but the following illegal and criminal acts are not allowed.

Legal basis: Article 177-1 of the Criminal Law of the People's Republic of China impairs the management of credit cards. In any of the following cases, whoever impairs the management of credit cards shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also, or shall only, be fined not less than 1, yuan but not more than 1, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 1 years, and shall also be fined not less than 2, yuan but not more than 2, yuan: (1) Holding and transporting a large number of counterfeit credit cards knowingly, or holding and transporting a blank credit card knowingly; (2) Illegally holding other people's credit cards, with a relatively large number; (3) fraudulently obtaining a credit card by using a false identity certificate; (4) Selling, purchasing or providing others with forged credit cards or obtaining credit cards by fraudulent identification.