How to write the debit note for credit card loan: the debit note is _ _ _ _ (cardholder's name), and the credit card balance is _ _ _ _ _ _ _ _ _ _ _. Borrower: _ _ _ _ Date: _ _ _ _ _ _ _. It is illegal to lend a credit card to others. In case of bad debts, the cardholder will bear all the consequences. The Supreme People's Court's Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases defines the lending interest rate as "two lines and three zones". The first line of "two lines and three districts" is that the annual interest rate does not exceed 24% (the monthly interest rate does not exceed 2%), which belongs to the judicial protection zone; The second line is that the interest agreement with annual interest rate exceeding 36% (monthly interest rate not exceeding 3%) is invalid and belongs to the invalid area. The annual interest rate of 24%-36% (monthly interest rate of 2%-3%) belongs to the natural debt area. The lender asked the borrower to pay interest exceeding 24% per annum, but the court refused to support it; The court does not protect the money that the borrower has paid. If the borrower and the lender have not agreed on the interest or the interest agreement is unclear, and the lender claims to pay the interest during the loan period, the people's court will not support it. Term of loan. According to the provisions of Article 188 of the General Principles of Civil Law, the statute of limitations for the IOUs marked with repayment period is 3 years from the date when the repayment period expires, and the statute of limitations for IOUs without repayment period is 20 years. Article 108 of the General Principles of the Civil Law: The debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.