Your problem should be quite difficult to solve, but if you lend the card to your friend, your friend will get the money, not you, right? So the overdraft money was also your friend's overdraft.

Most banks now have surveillance videos. If you file a lawsuit with the court, the court will give you the right to collect evidence. You can just pull out the bank surveillance tapes as evidence. As for the overdraft not being your own will, the court will determine it based on the evidence you collected and the indictment you obtained. But you'd better settle the lawsuit before the bank calls for payment, otherwise the bank will dispose of your credit card according to the law regardless of who took the money or whether it was not your will.

Come on