The IOU for money owed to someone else's credit card should be written clearly:

1. The full legal names of the borrower and lender;

2. The loan amount, mainly Including the amount in uppercase and lowercase letters;

3. Loan period. That is, the start and end time of the loan and the clear loan period;

4. The specific date of repayment;

5. The loan interest, clear annual interest rate and monthly interest rate, and the final payment The total amount of interest;

6. The specific date and method of payment for the repayment of the principal and interest of the loan;

7. The borrower’s personal seal, fingerprint and signature.

Format of the IOU:

IOU

Today, I borrowed ____________RMB________rounded, in______year___month___ If it is paid off before the due date, a liquidated penalty of 1% of the total amount will be paid every year if it is overdue.

Borrower: _____________(ID number____________)

______year___month___day

(2) Loan Agreement

Loan Agreement

Lender (Party A): ____________

Borrower (Party B): ____________

Party A and B are equal and willing to , on the basis of friendly negotiation, the following agreement was reached:

1. Party B borrowed RMB ____________ from Party A.

2. The loan period is years, starting from ___month___ day of ______ year and ending on ___month___ day of ______ year.

3. When the loan period expires, Party B promises to return the loan, otherwise it is willing to bear all legal liabilities.

4. Party A will deliver the loan to Party B within two days after signing this agreement.

5. If Party A fails to deliver the money to Party B on time or Party B fails to repay the money on time, the defaulting party shall pay liquidated damages of __________ yuan to the non-defaulting party.

6. This agreement is made in ______ copies and shall take effect on the date when Party A and Party B sign and stamp it with their official seal (the official seal of the company). Party A and Party B each hold one copy as proof.

Party A: _______________ Party B: ____________

Signed: ______year___month___day

Legal basis

"People's Republic of China and Civil Code"

Article 469: The parties may conclude a contract in written form, oral form or other forms.

Written form is a contract, letter, telegram, telex, fax, etc. that can tangibly express the content contained therein.

Data messages that can tangibly express the content through electronic data exchange, email, etc., and can be retrieved at any time, are deemed to be in written form.

Article 470 The content of the contract shall be agreed upon by the parties and generally includes the following terms:

(1) Name and address of the parties;

(2) Target;

(3) Quantity;

(4) Quality;

(5) Price or remuneration;

(6) Time limit, place and method of performance;

(7) Liability for breach of contract;

(8) Methods to resolve disputes.

The parties may conclude a contract by referring to the model texts of various types of contracts.

Article 471: The parties may conclude a contract by means of offer, acceptance or other means.