First, if your friend calls the police, the first thing you need to confirm is the password of the credit card. How did you get it? Do you have any evidence?

Second, the description:

1, if you have evidence that a friend gave you a credit card and a credit card password because he owed money (the debit note is evidence), it is only a civil issue and can be solved through civil litigation.

2. If you have no proof that the credit card and credit card password are provided by your friend, then you are stealing and suspected of stealing.

3, telephone recording can only be used as auxiliary evidence, not as direct evidence. So you'd better prove it through direct evidence such as video.