Generally speaking, the credit card debt bank will only count the cardholder's own, regardless of who the actual cardholder is. As long as the credit card is overdue, it will collect the arrears from the cardholder himself, report the overdue behavior to the credit information system, and record the overdue situation of the credit card on the cardholder's credit information report.
For cardholders, it is not their own use of credit cards, but the obligation to repay. It is really wrong to let their credit deteriorate after the deadline. Moreover, we should solve it according to different situations and adopt different solutions. In general, credit cards are not for personal use, which can be divided into two situations: stealing credit cards/fake cards and lending credit cards.
1, stolen brush/fake card
If a credit card is stolen by someone else, or a liar uses his identity information to impersonate a card, which leads to overdue, it is generally the fault of the bank. For this, the cardholder is not responsible. After collecting relevant evidence, he can negotiate with the bank and ask the bank to cancel the credit card and restore the credit record. If the bank doesn't handle it, it will sue. If the evidence is sufficient, the court will stand on his side.
2. Credit card loan
Some people lend their credit cards to relatives and friends for help, that's all, because they agree and give them to others in person. If someone swipes their card and doesn't return it, the cardholder can only admit that he is unlucky. Because the credit card loan does not meet the requirements of credit card use after all, if there is a dispute, the bank will not pay attention to it. You can only repay the credit card debt first, and then ask the borrower for a reminder.