It can be prosecuted and handled according to private lending.

Because this is an agreement between the parties regarding the theft of credit cards or an alternative treatment through an IOU, it is said that it must be carried out in accordance with their agreement.

Of course, if the party involved steals a credit card, it has violated the criminal law and is suspected of constituting a crime. In that case, it cannot be carried out in accordance with the agreement between them. This must be handled in accordance with the provisions of the criminal law, and mediation between the parties is not allowed.