According to China's policy, if you lend your credit card to others, you still need to bear the debt yourself. So if the other party doesn't pay back the money, the cardholder can only try to communicate with the other party to solve it. If you can't settle this debt, you can only bear it yourself in law.

According to the Management Measures for Credit Card Business issued by China People's Bank 1996, credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend credit cards and their accounts. Therefore, it is illegal to lend a credit card to others. If the cardholder insists on lending, all consequences arising from renting, transferring or lending the credit card shall be borne by the cardholder himself.

If a credit card is stolen by a friend and his behavior is suspected of credit card fraud, you can call the police.

If the credit card is overdue, there will be a late fee of 5% of the minimum repayment amount, and the bill will be fined in full. The average bank will calculate the daily interest at 0.5% and the principal and interest on a monthly basis. Pay full penalty interest until all debts are paid off, and it will also affect your credit.