It is legal to hand over a credit card to others for use with the cardholder’s consent. It is illegal only to swipe a credit card without the cardholder's consent or to steal the cardholder's credit card and use it to swipe the card.

According to Article 48 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", the issuing bank shall comply with security management requirements when issuing credit cards. The card and password shall be delivered separately and the cardholder shall be prompted to receive them. When a credit card is issued, the cardholder shall be informed in writing of the credit card bill date, credit card regulations, instructions for safe card use, customer service telephone number, service and charging information inquiry channels and other information, so that the cardholder can use the credit card safely.

Extended information:

Article 57 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" The card-issuing bank shall clearly stipulate in the credit card acceptance contract (agreement) that the cardholder shall The specific operating procedures for asset repayment of credit card loans. Without the cardholder's authorization, the cardholder's assets may not be used to directly offset credit card accounts receivable. Except as otherwise provided by national laws and regulations.

When the card-issuing bank receives the repayment from the cardholder, it will offset the various arrears of the credit card account in the following order: if it is overdue for 1-90 days (inclusive), the interest receivable first or Various expenses will be offset in the order of principal, and if the payment is overdue for more than 91 days, principal will be offset first, then interest receivable or various expenses will be offset.

Baidu Encyclopedia - Measures for the Supervision and Administration of Credit Card Business of Commercial Banks