Credit card overdraft consumption has an interest-free period. Some friends want to use it to enjoy the interest-free period, or some people want to borrow someone else's credit card to overdraw "funds" for emergencies because of their own conditions. For selfish reasons, cardholders lend money to friends or to people who need to withdraw funds from other people's credit cards for emergencies.

This kind of lending to friends or renting to others is not allowed. Articles 28 and 59 of the Measures for the Administration of Bank Card Business stipulate that if the bank card and its account are for personal use only, the issuing bank shall order it to make corrections and impose a fine of 1 000 yuan. Based on this rule, it is better for people who legally hold credit cards, whether they are friends or others, whether they want to borrow their own credit cards or not, because such violations of the law will make them pay the price.