1. According to the credit card collection contract, the credit card shall not be transferred to others, and all responsibilities arising from lending to others shall be borne by the cardholder. \xd\2. When the credit card is overdue, it will affect your friend's credit record. \xd\3. If the overdue period exceeds 3 months, the bank has the right to sue the cardholder (your friend), who has been suspected of malicious overdraft according to Article 196 of the Criminal Law. \xd\4. The current relationship belongs to a triangular debt relationship. Your friend borrows money from the bank and then gives it to others. \xd\5. At the instigation of your friend, the card used by others is authorized by your friend. \xd\\xd\ Solution \xd\1. Ask your friend to find the cardholder as soon as possible, and ask him to write a debit note or a credit card statement. \xd\2. Collect the amount owed as soon as possible, return it, and keep the bank repayment voucher. \xd\3. Ask your friend to bring the iou and repayment voucher, and ask a lawyer to file a lawsuit against the cardholder and apply for court enforcement.