Legal analysis: (1) Related repayment can be set up, or family and friends can be found to help repay. (2) When a person is in a detention center, he can authorize others to repay the credit card on his behalf. (3) In the case of being sentenced, the credit card of the prisoner cannot be used normally, and the credit card cancellation procedure shall be handled. If it is inconvenient for a prisoner to go through the formalities of canceling his account, others may handle it on his behalf.

legal basis: article 667 of the civil code of the people's Republic of China

a loan contract is a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest.

article 668 a loan contract shall be in written form, unless it is otherwise agreed between natural persons to borrow money.

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 provide the true information about the business activities and financial status related to the loan as required by the lender.