1. When applying for a credit card, you will be asked to leave the contact information of the contact person and ta, that is, you need to contact for collection when you may not be able to repay the arrears. The bank will only tell the contact person, that is, your family, what will happen if you don't pay back the overdraft? . .

2. Subject, since you have overdrawn your consumption, you can tell your family that someone else may have stolen your information card (but even the contacts are correct, which is generally impossible, but your family may not understand).

It is no problem to return the credit card 1 month, but only if you return it, otherwise there will be bad credit records in the credit information system, which will seriously affect your future loans.

So I suggest you return it first. If you can't afford it, tell your family the truth and think twice before using your credit card!