Evidence evidence:
1, bank statement or payment reminder.
2. Deposit receipt issued by the bank? .
3. You can apply to the court to collect evidence, such as the signature and identity certificate when swiping the card, and the current video materials taken by the other bank. You can report the loss of the card first, and then negotiate to solve the problem. If negotiation fails, you can sue again.
After handling a credit card, a credit card contractual relationship is formed between the cardholder and the bank. If the actual cardholder fails to repay the loan as agreed, then the credit card holder must repay the loan on his behalf. After all, money is swiped from the cardholder's credit card. So now you have to pay back the money first, and then ask your friends for it. If friends really don't pay back, we can collect evidence and sue in court.
Bad credit records should be kept by the bank for 5 years after the payment is paid off. The 5-year retention period starts after the payment is paid. Don't think that bad records will disappear automatically after 5 years, so you don't have to pay back the money you owe. Don't think that canceling the card after repayment can eliminate bad records.