The bank will look for you to repay the loan. \x0d\Because the credit card use contract expressly stipulates that the credit card cannot be lent to others, and any losses incurred will be borne by the individual. \x0d\So others are overdrafting maliciously, but you are responsible for the consequences. If the amount is relatively large and you cannot repay it within the time specified by the bank (within 3-4 months), you are likely to face recourse through bank outsourcing collection, legal proceedings, property preservation and seizure, etc. By then Unbearable disturbance and even damage to reputation and economy. \x0d\\x0d\If malicious credit card overdraft is illegal, it has been written into the criminal law. If the amount is large enough, a prison sentence will be imposed. \x0d\I suggest you:\x0d\First, you must take all possible measures to make the card user pay back the money immediately. If the card user fails to pay back the money, take legal measures. \x0d\Second, if you have financial permission, you can pay off the account first. But it’s very likely that you won’t be able to tell the card user clearly at that time. \x0d\\x0d\If you lent the card, Xiaozhi could use emotion and reason to ask him or his family and friends to help him pay back the money. If that doesn't work, sue him. \x0d\If the card is stolen or lost. You can explain to the bank or report the case directly.