If someone else uses their own credit card to make purchases and does not repay the money, it is recommended to pay off the credit card debt first, and then ask for money from the other party. If the credit card is not paid back, the bank will hold the cardholder responsible, and if it is overdue, It will generate high interest rates and credit problems:

1. It will cause the credit card to be frozen and cannot be used, and negative information such as overdue repayment will be recorded in the personal credit report.

2. Negative information such as late repayment is not permanently recorded in an individual’s credit report. my country’s current credit record retention period is five years. After paying off a credit card, anyone can start over and build a credit history all over again.

3. Whether it constitutes a criminal offense and whether you will be imprisoned depends not only on the time of arrears, but also on the principal amount of the credit card arrears.

4. If the principal amount of the debt is more than RMB 10,000 and is not returned for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed as a "malicious overdraft" under the criminal law and suspected of credit card fraud. If a crime is committed, the person shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention according to law, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.

5. If the amount of malicious overdraft is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.