If a credit card has been borrowed by others and has not been repaid, you should first report it as lost and collect relevant evidence of the user, and then sue in court to collect the debt. For card borrowers who use credit cards to cash out, malicious overdrafts and other illegal activities, they can file a lawsuit in court, and the court will make a reasonable judgment based on the circumstances of the case. Once its illegality is determined, it constitutes the crime of credit card fraud.

If a credit card is lent to someone else, and the borrower just makes ordinary purchases with the card but refuses to pay back, then the cardholder may have to pay for the money. If the payment is not made in time, resulting in an overdue payment, the cardholder will have to bear the consequences.

Can I cancel the credit card if I am no longer with me?

Yes. Even if the customer does not have the credit card with them, they can call the customer service center of the card issuer to switch to a manual service center and apply to the staff. To cancel the card, customers do not need to take the card and personal ID card to the counter of an offline business outlet and let the staff handle it.

However, when canceling a card over the phone, the bank will ask for the customer's personal information and bank card number. If the customer cannot remember the bank card number, the cancellation will not be possible.

Moreover, when canceling a card, you must ensure that there are no outstanding debts on the card, otherwise it will not be cancelled. Customers need to pay off all bills and outstanding balances, transfer the remaining money to other cards, and then cancel the card.

In addition, the bank will not cancel the card immediately after receiving the customer's card cancellation application. It usually has to wait about 45 days to confirm that there are no new bills before officially canceling the customer's card.