That means you are here to repay the money. Because it is a credit card in your name, the bank will definitely ask you for the money. The bank does not know who spent the money, and you will have to pay back whoever spent it. Otherwise The bank will sue you, and the court will seize your property to repay the bank. At the same time, the bank will blacklist you in the banking system, and you will not be able to apply for loans or other money-related matters in the future. If the lawsuit goes to court and you still cannot pay back after the court's decision, the court will also put you on the national credit blacklist. By then, your travel and other high-end purchases will be restricted.

But you can sue your friend in another case and ask the court to order your friend to pay you the debt. You need to have evidence to prove this.