Legal analysis: credit card debt cannot be transferred, and your own debt must be repaid by yourself. The creditor may assign all or part of the rights of the contract to a third party, except for one of the following circumstances: it may not be assigned according to the nature of the contract; Not transferable according to the agreement of the parties; According to legal restrictions, it may not be transferred.

Legal basis: Article 154 of the Measures for Payment and Settlement, the overdraft interest of credit cards shall be calculated at five ten thousandths of the daily interest within 15 days from the date of signing the contract or the date when the credit card is credited to the bank; after 15 days, it shall be calculated at five ten thousandths of the daily interest; after 30 days or when the overdraft amount exceeds the prescribed limit, it shall be calculated at fifteen thousandths of the daily interest. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.