You can show your true thoughts and feelings to your dad: 1. After all, your brother is a man, and he is more responsible. So it is more suitable to return the credit card; And this is an investment for your brother to start his own business. You don't need to take this risk. The credit card is not for my own use, so the repayment is not as convenient as that in my own name, and your personal information can't always be carried with your brother.