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How should my girlfriend reply if she has no money to pay back her credit card?
I have no money to ask my girlfriend to pay back my credit card. The reply can be one of the following.

Dear, I really understand your pressure now, but I don't have enough money to help you at present.

We can discuss it together and see if there are other ways to help you alleviate the present situation, such as borrowing it from family or friends.