If someone borrows a credit card and fails to repay it, you can sue, but you need to have corresponding evidence to prove it, otherwise the credit card owner still needs to repay the debt. If the creditor's rights certificates such as IOUs, receipts, and IOUs held by the parties do not indicate the creditor, and the party holding the creditor's rights certificates files a private loan lawsuit, the People's Court shall accept it. The defendant raised a fact-based defense against the plaintiff's creditor qualifications. After review, the People's Court held that the plaintiff did not have creditor qualifications and ruled to dismiss the lawsuit.

Legal basis: Article 675 of the "People's Republic of China and Civil Code" The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.

Extended information:

Repayment process

Card-issuing bank repayment

1. Log in to the ATM repayment homepage of the account opening bank and click on credit card repayment

2. Fill in the credit card repayment information: follow the prompts, select the credit card issuing bank, enter the credit card number, cardholder name, monthly repayment date, repayment amount and contact information and confirm;

4. Complete the payment through online banking with the transferred debit card: follow the prompts and use other bank’s debit card to complete the payment through online banking;

5. Repayment is completed, transaction inquiry, Print the receipt.

Online repayment

As one of the main repayment methods for credit card repayments at the bank where the account is opened, online repayment has become a common repayment for the majority of credit card users. means.

1. Payee account name: fill in the name of the credit card holder.

2. The payee’s account opening bank: fill in the “Account Opening Bank Credit Card Center”.

3. Transfer to the payee’s account: fill in the 16-digit credit card number.

4. Remarks: Fill in "Credit Card Repayment".

5. Withdrawal password: fill in the all-in-one card withdrawal password

6. After confirmation, the system will prompt whether the transfer is successful and the amount of the transfer.

7. Currencies accepted for repayment by the "Payment Plan" function: RMB

8. Cardholders can use the "Payment Plan" function to pre-set the payment date, and online banking will At the cardholder's request, a one-time or monthly transfer from the All-in-One Card to the cardholder's credit card or the credit card of another person designated by the cardholder for repayment.

9. Currencies accepted for repayment of the "Credit Card Payment" function: US dollars, RMB

10. If the cardholder has opened the online "Personal Banking Professional Edition" 4.5 or above of the All-in-One Card version, and handle the self-service transfer business between All-in-One Card and credit card, you can use the "Credit Card Payment" function to transfer repayment from the cardholder's All-in-One Card account to the cardholder's own credit card.

11. Personal Internet Banking Public Version:

If the cardholder has opened an all-in-one card from the bank where the account is opened and has applied for the "self-service transfer agreement" between the all-in-one card and the credit card, he or she can log in to the China Merchants Bank website Use personal online banking public version to transfer funds to the cardholder's credit card for repayment. The transfer amount restores the cardholder's credit card available limit in real time.