Legal analysis: Repaying a credit card for others does not constitute a crime. It is a legal act of civil compensation. There are two types of credit card crimes: credit card fraud and obstruction of bank card management. Any of the following circumstances constitutes the crime of credit card fraud: 1. Using a forged credit card, or using a credit card fraudulently obtained with false identification; 2. Using an expired credit card; 3. Pretending to use another person’s credit card; 4. Malicious Overdrawn.

Legal basis: Article 177 of the "Criminal Law of the People's Republic of China" Whoever forges or alters financial instruments under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention. A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed concurrently or solely; if the circumstances are serious, the offender shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the circumstances are particularly serious, a fine of not less than 50,000 yuan but not more than 500,000 yuan shall be imposed. to fixed-term imprisonment of not less than 1 year or life in prison, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property: (1) Forging or altering bills of exchange, promissory notes, or checks; (2) Forging or altering entrusted collection vouchers , remittance vouchers, bank deposit certificates and other bank settlement vouchers; (3) forging or altering letters of credit or accompanying documents and documents; (4) forging credit cards. If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph. Article 177-1 Whoever obstructs 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 shall be fined not less than 10,000 yuan but not more than 100,000 yuan; if the amount is huge or there are other serious If the circumstances are serious, 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 20,000 yuan but not more than 200,000 yuan: (1) Holding or transporting a credit card knowing that it is a counterfeit, or holding a blank credit card knowing that it is a counterfeit. Possession, transportation, and large quantities; (2) Illegal possession of other people’s credit cards in large quantities; (3) Using false identity certificates to defraud credit cards; (4) Selling, buying, and providing forged credit cards to others or Credit cards fraudulently obtained using false identification. 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.

"People's Republic of China and Civil Code"

Article 673: If the borrower fails to use the loan in accordance with the agreed purpose of the loan, the lender may stop disbursing the loan, Collect the loan or terminate the contract in advance.

Article 674 The borrower shall pay interest according to the agreed period. There is no agreement or the agreement is not clear about the period for payment of interest, and it cannot be determined according to the provisions of Article 510 of this Law. If the loan period is less than one year, it shall be paid when the loan is returned; if the loan period is more than one year, It shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid when the loan is returned.