Legal analysis: In principle, if you two sign a relevant agreement, the agreement is valid, but it is an internal agreement and cannot be used against a third party. If a third party sues, they will be held responsible. It is recommended to confirm relevant responsibilities through legal procedures.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China prohibits the use of counterfeit, invalidated, fraudulently used credit cards of others, or malicious overdrafts (referring to illegal possession by the cardholder) Purpose, exceeding the prescribed limit or overdraft within the prescribed period, and failing to return the credit card after being called upon by the card issuer) and stealing and using credit cards shall be convicted and punished in accordance with the provisions of Article 264 of this Law.