If the amount owed is large and the other party insists on not paying back the money, the user can file a civil lawsuit and ask the other party to pay off the overdraft amount and interest through the court (pay attention to collecting relevant evidence, such as the chat screenshots of the two parties agreeing to borrow the card and the record of the other party's card use, etc.). ).
Customers are advised to think carefully before lending their credit cards to others. After all, the Measures for the Administration of Credit Card Business clearly stipulates that credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend credit cards and their accounts. Therefore, it is illegal to lend a credit card to others, and all the consequences arising from renting, transferring and lending a credit card can only be borne by the cardholder himself.
The process of suing the borrower:
1. Prepare civil litigation.
2, to the people's court with jurisdiction, and submit relevant evidence.
3. Attend and participate in litigation activities on time according to the notice of the people's court.
4. Anyone who refuses to accept the judgment or ruling of first instance shall appeal to the people's court that originally tried or the people's court at the next higher level within 15 days after receiving the judgment or 10 days after receiving the ruling, and submit an appeal.