Credit cards can only be used by yourself, and the consequences of lending them to others privately need to be borne by yourself. The relationship between the two parties is just creditor's rights and debts, and the process is allowed and controllable by you, which is not fraud. According to the law, it can be prosecuted. Generally, such small cases are mediated by the court at the beginning. If no consensus can be reached, it is estimated that it will be accepted, but there are procedures. In the end, the losing party pays the legal fees.

Colleagues of civil servants should not lack this money and can communicate more specifically.