Someone else used your credit card and didn't pay it back. This situation requires you to negotiate with the other party. If the amount is large, you can file a lawsuit. According to the regulations, credit cards can only be used by individuals, and no one else can use them. If the amount is not large, you can repay the loan when it is due, and then ask the other party for the arrears. If you can't pay off the full amount because of the large amount, you can choose the minimum repayment amount or installment repayment. According to China's policy, if you lend your credit card to others, you still need to bear the debt yourself. So if the other party doesn't pay back the money, the cardholder can only try to communicate with the other party to solve it.
If someone cashes your credit card and then invests the cashed money, the consequences will be more serious, and the circumstances are serious, and it is suspected of fraud. In particular, if the circumstances are serious and the overdraft principal is large, it will not be returned after more than 90 days. After two effective collection failures, the bank will directly sue the cardholder. You can choose to sue the other party, but the bad credit generated after the deadline will not be revoked.
Collect evidence. Is there an oral agreement on the interest of creditor's rights? Prove that he is using a credit card. The credit card itself cannot be lent.
Therefore, we can only state the process reasons, fill in an IOU, determine other fees payable at the creditor level, specify the repayment date, and recover the credit card.
It is best to record the video of the conversation with a third person present. Wechat chat records should elaborate on the facts of this process. Consult local professional legal personnel, and street offices generally have legal aid.
You have to understand that although many cardholders will choose to sue their friends after they overdraw their credit cards, even if they succeed in winning the lawsuit, they can make the other party repay the overdue interest, and the bad credit will not be revoked. It will follow you for two years, and you must use the card in these two years and cover it with the generated consumption record. Officially eliminated after five years.
You are so brave that you dare to lend your credit card to others. You must have a good relationship. Your family knows you, publishes all the information and asks for debts from your family. If you don't give it, tell it, and the circle of friends will announce it. I really treat you as a friend and won't do this to you, so you don't have to go easy on me.