Legal analysis: File a civil lawsuit directly through the court, requiring the other party to return the credit card and pay off the overdraft amount and interest. Evidence: 1. Bank statement or reminder note. 2. Deposit receipt issued by the bank. 3. You can apply to the court to collect evidence, such as the signature and identification when swiping the card and the video recording of the other bank's cash withdrawal, etc. You can report the card as lost first and then negotiate a solution. If negotiation fails, you can then sue. After applying for a credit card, a credit card contract relationship is formed between the cardholder and the bank. If the actual card user fails to repay the amount as agreed, the credit card holder must repay the money on his behalf. After all, the money was deducted from the card holder's credit card. So now the only option is to pay back the money first, and then ask your friend for it. If your friend really doesn't pay back, you can collect evidence and then file a lawsuit with the court.

Legal basis: "Civil Procedure Law of the People's Republic of China" Article 119 A lawsuit must meet the following conditions: (1) The plaintiff is a citizen or legal person with a direct interest in the case and other organizations; (2) there is a clear defendant; (3) there are specific litigation claims, facts and reasons; (4) it falls within the scope of the people's court to accept civil litigation and the jurisdiction of the people's court subject to the lawsuit.