Legal analysis: Illegal. According to relevant regulations, credit cards and their accounts can only be used by cardholders approved by the card issuer, and may not be provided, rented or lent to others. Credit cards cannot be lent to others. The credit card must be held by the person handling the card and cannot be lent to others. Lending it to others is generally a violation of the use contract. Any liability caused by borrowing a card to a third party is borne by the individual and the bank does not assume any responsibility.

Legal basis: "Credit Card Business Management Measures"

Article 36 Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or lend the credit card or its account.

Article 39 If a credit card is lost or stolen, the cardholder should immediately apply for a loss report to the nearest card-issuing bank or agency bank with his or her ID card or other valid certificate, and provide relevant information as required. Loss reporting procedures.

Article 177-1 of the "Criminal Law of the People's Republic of China" Whoever interferes with the management of credit cards under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or solely be sentenced to: A fine of not less than RMB 10,000 but not more than RMB 100,000 shall be imposed; if the quantity is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined not less than RMB 20,000 but not more than RMB 200,000: (1) Knowingly knowing that it is a forgery Holding and transporting credit cards, or holding and transporting blank credit cards knowing that they are counterfeit, in large quantities; (2) Illegally holding other people's credit cards in large quantities; (3) Using false identity certificates to fraudulently obtain them Credit cards; (4) Selling, buying, or providing others with forged credit cards or credit cards fraudulently obtained with false identity certificates. Anyone who steals, bribes or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph. Any staff member of a bank or other financial institution who takes advantage of his position to commit the crime in Paragraph 2 shall be severely punished.