Legal analysis: If the other party still refuses to repay the loan after the reminder, and the evidence is collected, you can choose to sue, because it has constituted the crime of embezzlement. After cashing in the credit card through the other party, the other party refuses to return it after possession, and the amount of 3, yuan has exceeded the legal prosecution limit, that is, the standards of 5, yuan to 2, yuan vary from place to place, which is a relatively large amount and constitutes a crime of embezzlement.

Legal basis: Article 27 of the Criminal Law of the People's Republic of China illegally takes possession of other people's property for safekeeping, and refuses to return it in a large amount, and shall be sentenced to fixed-term imprisonment of not more than two years, criminal detention or fine; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than two years but not more than five years and shall also be fined. Whoever illegally takes forgetting things or buried objects of others for himself and refuses to hand them over in a large amount shall be punished in accordance with the provisions of the preceding paragraph.