Legal analysis: the credit card is not returned by a friend, only the card owner pays back the money first, and then asks a friend for it. Because no matter whether the cardholder swipes it himself or someone else swipes it, the bank will only hold the cardholder accountable anyway, so from the moment the cardholder lends the credit card to someone else, the responsibility for the whole thing is entirely on the cardholder. If you don't repay in time, there will be interest and liquidated damages. And then your credit will be affected. Therefore, you should pay back the money first, and then ask your friends for it.

Legal basis: Article 36 of the Measures for the Administration of Credit Card Business. Credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend their accounts.