According to our country's laws, if a gift is given to the other party in kind, the other party may not return it even if he or she regrets it in the future. If the item has not yet been given to the other party, but has been promised to be given to the other party, as long as there is no written agreement to give it to the other party, then it does not matter

not to be given. You lend your credit card to the other party to buy a car. If she can't produce proof that you gave it to her as a gift, then she has to pay you back. Not to return it is to steal or borrow it. But

The prerequisite is that she admits to using your credit card to buy a car.