The issue you mentioned belongs to the comprehensive category of interpersonal relationships and debt relationships.

My opinion is as follows -

1. According to the judicial interpretation of my country's current marriage law, the pre-marital property of both spouses is owned individually and does not belong to the joint property of both parties. This is the basic principle of legal norms. So, the funds your boyfriend (not your spouse yet) borrows from you, from a legal perspective, must be returned! Even if you get married, you must return it. Because this is your personal property and has nothing to do with ***'s property.

2. If your boyfriend borrows your credit card and transfers it to his POS machine, that means that the borrowing method and amount are confirmed and can be verified. This is also evidence and should be kept properly.

3. Your question is, how to ask for a loan from him. I thought about it and made the following suggestions for your reference:

(1) Look at his financial status. If it is relatively sufficient, just say so directly;

(2) If the financial situation is unclear, you can first ask about the financial situation in the next few months to confirm your request for repayment;

(3) If it is difficult to determine, then you can remind the other party that the family needs money and let him prepare the funds for repayment.

4. A man who picks up girls and makes money at the same time is probably the best. Girls, you should be careful of high-level immortals.

The above opinions are for your reference.