A credit card is a credit card. First, you must make sure that you don't have a credit card. Secondly, if you really don't handle it, you can call the customer service phone of ABC and tell him that if he asks you to pay back the money one day, you can not pay it back, and then go to the People's Bank of China and the China Banking Regulatory Commission to sue him. You just have to do what you have to do. You can kill them if they mess around.