It depends on what you do, if you really use a card! Then there is no joint and several liability between you. If it is a special card, malicious consumption, not ready to repay, the cardholder's identity certificate is false, intentional, and the number is relatively large, which can be characterized as suspected fraud!

If a friend uses it normally, the quantity is not large, but he applies for it himself. As for the creditor-debtor relationship, it has nothing to do with you. If he owes money to the bank, the bank will only target the debtor as a creditor! It's not your company! You won't be implicated. You can rest assured of this!

I used to work in a bank. You can ask me directly if you have any questions!