1. first, negotiate with a friend and try to solve it, so that she can bear her own debts: according to bank regulations, credit cards can only be used by herself and cannot be externally connected to others. If you lend your credit card to others, you still need to bear the debt yourself. If the other party doesn't return it, the cardholder can only try to communicate with the other party to solve it. If it can't be reconciled, then you have to bear it yourself.

2. Friends don't want to repay: If friends don't want to repay, the cardholder can only repay the money on time, so as not to affect his credit. If the cardholder is willing to lend his credit card to a friend, it belongs to a civil case and should sue the court for repayment; If the credit card was stolen by a friend, his behavior is suspected of credit card fraud and he needs to call the police.