If a credit card is lent to others for overdraft, the credit card owner shall bear legal responsibility. According to the regulations of the bank, all credit and debit cards are for personal use only. If the card is lent to others, all the consequences arising therefrom shall be borne by the owner of the bank card.

Legal basis:

Measures for the supervision and administration of credit card business of commercial banks

Article 93 Commercial banks should establish and improve the operational risk prevention and control system and emergency plan for credit card business to effectively prevent operational risks. The following risky assets shall be directly classified into corresponding categories:

(1) Once the risky assets caused by the fraudulent use of credit cards by cardholders are confirmed, they are directly classified as suspicious or loss.

(2) Risk assets caused by internal crimes or internal and external collusion crimes shall be directly classified as suspicious or loss.

(3) Risk assets caused by system failures and operational errors should be directly classified as suspicious or loss.

(4) Risk assets that have not been repaid after signing the personalized installment repayment agreement are directly classified as secondary or suspicious.