Credit cards are comprehensive credit granted by banks to individuals. The subject is the cardholder. Whether an individual uses it himself or borrows it from others, it will be considered as his own use or authorized use. The cardholder needs to bear the corresponding debts. . Of course, if it is stolen, with the help of the public security, courts and other agencies, if there is evidence to prove that you do not bear the corresponding responsibility, you can start the debt according to the law. Our country is a legal country, and we pay attention to the law to be followed, the law to be followed, and the violations to be punished.

Credit card debt

Transfer of credit card debt is not possible under normal circumstances. Because the credit card application, use and repayment are all done in the name of the cardholder, without any guarantee or other third-party involvement.

Credit card debt is nominally the main act of the cardholder and has nothing to do with anyone else.

It is not impossible to transfer credit card debt. There are mainly the following ways:

1. The cardholder dies

When the cardholder After a person dies or becomes disabled in an accident, if there is a debt on the credit card, the bank has the right to recover the debt from the cardholder's heirs and immediate family members, which is considered a debt transfer.

2. Credit card fraud

Credit cards have been stolen for no reason and there is relative evidence. After the case is detected by the public security court and other departments, the credit card debt can be directly recovered from the perpetrator or even the credit card thief. is exempt.

3. Credit card loan

Once a credit card is lent to a friend or relative, it cannot be repaid. The main repayment of the bill has to be completed by the cardholder himself, but the cardholder can collect debts from the card borrower, which can be regarded as an indirect transfer of debt. However, in the end any responsibility lies with the cardholder.

Apart from this, credit card debts cannot be transferred in any other name.

When using a credit card, you must act within your ability. If you use it without restraint, you must bear the consequences yourself. Don't take chances. Escape can only be temporary.