He is embarrassed to borrow your card. If you are embarrassed to refuse, just lend it to him and let him swipe it. If he doesn't return it, just pay it back.

You can’t use it like this. I have also experienced this. My friend used my credit card to refuel. After using it for a period of time, I never failed to repay the money, but sometimes paid it a few days late. As a result, the repayment was overdue more than ten times. , my credit record and the loan are not working. So whoever uses the credit card applies for it.

You sue her because her credit card limit is too low. Ask her to apply for an online loan, which can meet her needs.

You must not borrow money. It will hurt your feelings and relationships. In the end, you will be the unlucky one.

Such people cannot be friends at all. The final result will definitely be that they cannot be friends, so it is better to reject them directly. Or tell her that your credit card can no longer be used.

You are right to worry. After you swipe the card, the pressure will immediately fall on you. You can spend the day and night drinking and drinking, but on the day of repayment, you will have your hands spread out and no money. Or you may be asked to pay the installment fee, and then you will find that your three installments will become six, and your six installments will become twelve, and you will not even be given the installment money. A few years ago, a roommate in my college dormitory asked me to withdraw all my credit card limit, and then gradually delayed it for almost a year. Finally, I found out that he had taken out an online loan. I basically paid back the installments. In the end, when I moved into his place, he used the rent to pay for half of it, and I asked for the remaining half for a long time. Finally, he threatened to go to his mother to ask for it, to sue, and to expose him to the alumni group as a defaulter. Pay it off. After this time, I deleted WeChat and never contacted him again in this life.

I am very honored to answer your question

I used to have relatives and elders at home who wanted to borrow my credit card. Yuan, how about I lend it to you? He said no, he was embarrassed to ask a junior to borrow money.

My mother also persuaded me, so I borrowed it. At first, I could pay it back normally. Later, I slowly started to pay it back during the grace period. Later, I started to pay the minimum payment or apply for installments. Then last year, the epidemic began to affect me, and I couldn't even pay the minimum repayment.

But the credit card belongs to me. If it is overdue, the bank will only look for me, and the credit report will be in my own name. If you are overdue, it will affect your credit card and credit card applications in the future. At worst, it will affect the couple's credit report. My wife will not be able to apply for a loan. Some better elementary schools require you to print out your parents' credit report.

Moreover, I work in the financial industry, and nine times out of ten I have to check my credit report when looking for a job, so it has a great impact on me. In order to avoid being overdue, I have helped him pay off his credit card for more than half a year. I went to consult a lawyer a few days ago. There is no IOU, there is insufficient evidence, and the credit card is lent. Even if I want to sue him, I may not be able to do so.

And he probably thinks that I am easy to talk to. Every time when the repayment date comes, he will say to me, "This month is too stressful. Please help me think of a solution first, and I will pay you back next month." Pushing back month by month.

I would like to advise you, do not help the poor, because poverty is usually caused by your own lack of effort. If your friend's family is really in an emergency and you need to save someone's life, even if you want to borrow money, you can't borrow a credit card. Just help within your own ability. If you need to use a credit card, it is already beyond your ability. If it is to borrow money for business, and the business is reliable and promising, you can invest in shares. If it is for consumption, forget it.

This is really a lesson learned for me. Now I have a headache every month when the repayment date approaches. < /p>

There is no need for such a person to think about transactions and being friends. They are basically brainless and want to trick you

If you reject her, she will fall out with you! If you don't reject her, you will owe a lot of debt and then fall out with her! The two are harmful to each other, whichever is less, so why not just refuse? ! She had bad intentions when she borrowed your credit card. Either she doesn't plan to pay it back, or her financial situation is in question. The end result is that you owe a lot of debt and late fees, plus your personal credit is damaged, plus a lot of trouble, and it is difficult for you to prove that your credit card borrowing behavior and the amount owed were spent by your friends. In fact, anyone with good finances and savings can apply for a credit card from a bank. At most, the credit card has a low rating and a low overdraft limit.

So you can politely guide her to go to the bank to apply for a credit card and explain the dangers of overdraft consumption! If she insists, say no and stay away. Because she is greedy and her desires are hard to satisfy. Your help cannot satisfy her endless desires. On the contrary, because money is easy to come by, she will be stuck in it and unable to pay for herself. If you keep cutting off and not staying away from harmful friends, you will end up in endless trouble!

Don’t borrow: the relationship is broken!

Borrowed: There is a high probability that the loan will not be repaid in the end, the money will be gone, and the relationship will collapse!

Anyone who can ask for a loan is someone who doesn’t take your relationship seriously and will be blocked directly!