Legal analysis: According to the relevant laws of our country, it is a civil dispute that a friend fails to repay after swiping a credit card, and it is not allowed to call the police, but he can bring a lawsuit to the people's court to solve the dispute.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it on schedule; The lender may urge the borrower to return it within a reasonable period of time.