Legal analysis: it can be settled through consultation or directly prosecuted. If a credit card is lent to others for use and others fail to repay it, the credit card holder shall bear legal responsibility. If the amount is large, it is suspected of credit card fraud. The crime of credit card fraud refers to the act of using credit cards to defraud a large amount of property for the purpose of illegal possession, in violation of credit card management regulations.

Legal basis: Article 119 of the Civil Procedure Law of People's Republic of China (PRC) must meet the following conditions: (1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) It falls within the scope of civil litigation accepted by the people's court and is under the jurisdiction of the sued people's court.