1. According to the credit card contract, the credit card shall not be transferred to others, and all responsibilities arising from lending it to others shall be borne by the cardholder.

2. The overdue credit card will affect your friend's credit history.

3. If the overdue period exceeds 3 months, the bank has the right to sue the cardholder (your friend). According to Article 196 of the Criminal Law, the cardholder has been suspected of malicious overdraft.

4. The current relationship is a triangular debt relationship. Your friend borrows money from the bank and gives it to others.

At the instigation of your friend, the card used by others is authorized by your friend.

solution

1. Ask your friend to find the cardholder as soon as possible, and ask him to write a debit note or a credit card statement.

2. Recover the arrears as soon as possible, repay and keep the bank repayment voucher.

3. Let friends bring IOUs and repayment vouchers, find a lawyer to file a lawsuit against the cardholder and apply for court enforcement.