Legal analysis: No agreement can guarantee your safety. Of course, there is no legal joint and several liability in this respect. Bank regulations do not allow it. If it is lent by the cardholder, the responsibility lies with the cardholder. This is because: 1, (1) lending a credit card to a friend violates the bank's regulations on the use of credit cards. Once discovered by the bank, the card may be frozen by the bank at any time and be required to pay all the arrears immediately. (2) Even if it is not discovered, you have a credit loan relationship with the bank. Although the party who swiped the card is a friend, according to the principle of relativity of the contract, Mr. Li is still obliged to pay off the loan to the bank. If it is overdue, he still needs to pay high interest and late fees, and may also bear criminal responsibility. 2.( 1) Lend your credit card to others, but the civil act of borrowing by both parties still has legal effect. You have the right to ask your friend to repay the loan according to the contract. (2) Therefore, after urging a friend to repay the loan is invalid, you can file a civil lawsuit according to law and apply to the court for property preservation measures. But in order to avoid the risk of being investigated for criminal responsibility, you should pay off the debts of the bank before suing, and then let your friends repay you directly.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.