According to Chinese laws, illegal possession of more than three credit cards will lead to criminal responsibility. Even if they don't sue you,

You ran away to a foreign country. One thing needs to be explained, if you apply for immigration, that is to say, if you change your nationality to another country, the procedure is very complicated, and the country will certainly inquire about you.

In addition, even if you successfully immigrated, you have successfully gone abroad, and the law can't catch you. You don't have to pay back the money, but have you thought about your friends? They have to pay back the money first. If they don't, they will be sued by the bank. If they can't pay back, their property will be auctioned. If they pay back the property for free, they need to bear criminal responsibility! Since they can lend you the card, it shows that they trust you very much, but you ran away! A little too careless!