Legal analysis: the consequences of helping others pay back their credit cards generally include: once the other party fails to pay back the arrears, it will suffer cash losses. It is suggested that in case of borrowing funds, they need to write a written IOU to safeguard their legitimate rights and interests.

Legal basis: Article 57 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. The issuing bank shall clearly stipulate in the credit card collection contract (agreement) the specific operating procedures for repaying credit card loans with the relevant assets of the cardholder, and shall not directly offset the credit card receivables with the assets of the cardholder without the authorization of the cardholder. Unless otherwise stipulated by national laws and regulations.

When the issuing bank receives the repayment from the cardholder, it shall repay all the debts in its credit card account in the following order: overdue 1-90 days (inclusive), overdue 1 day shall be repaid in the order of interest receivable or various expenses first and then principal, overdue1day shall be repaid in the order of principal, interest receivable or various expenses first.