Legal analysis: Failure to pay back the money will affect the credit of the person who runs the credit card and leave a bad record in the credit information center, which is a lifelong stain. If you fill in a friend's phone number, you may be urged by that friend to pay back the money, which may also affect the friendship between friends. Suggestions are still returned. This is a credit loan.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) convicts and punishes the use of forged, invalid, fraudulent use of other people's credit cards, malicious overdraft (refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank) and the theft of credit cards and their use in accordance with the provisions of Article 264 of this Law.