Legal analysis: Credit card IOUs should be written as follows:

1. Interest agreement complies with the law.

2. Both creditors and debtors have full capacity for civil conduct.

3. IOUs are the true meaning of both parties.

4. The contents of the IOU do not violate the law or the interests of the public, the legitimate interests of the third party and the mandatory provisions of the law.

legal basis: article 679 of the civil code of the people's Republic of China stipulates that a loan contract between natural persons is established when the lender provides the loan.

article 674 the borrower shall pay the interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and it cannot be determined according to the provisions of Article 51 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan period is more than one year, it shall be paid at the end of each year, and if the remaining period is less than one year, it shall be paid together with the loan.