Direct civil litigation through the court, requiring the other party to return the credit card and repay the amount and interest used for the overdraft. Evidence: 1. Bank statement or payment reminder. 2. The deposit receipt issued by the bank. 3. You can apply to the court to collect evidence, such as the signature and identification when swiping the card and the current video data obtained by the opposite bank. You can report the loss of the card first, and then negotiate for settlement. If negotiation fails, you can sue. After the credit card is handled, the credit card contract relationship is formed between the cardholder and the bank. If the actual user fails to repay as agreed, the credit card holder must repay the money on his behalf. After all, the money is swiped from the card holder's credit card. Now we have to pay back the money first, and then ask a friend for it. If the friend really doesn't pay back, we can collect evidence and then sue the court.
 According to Article 65 of the Civil Procedure Law of the People's Republic of China, the parties shall provide evidence in time for their claims.
 The people's court shall, according to the claims of the parties and the trial of the case, determine the evidence that the parties should provide and the time limit for it. If it is really difficult for the parties to provide evidence within the time limit, they may apply to the people's court for an extension of the time limit, and the people's court may appropriately extend the time limit according to the party's application. If the party concerned provides evidence within the time limit, the people's court shall order it to explain the reasons; If he refuses to explain the reasons or the reasons are untenable, the people's court may refuse to accept the evidence according to different circumstances, or accept the evidence but admonish or fine him.
 Legal basis
 Article 65 of the Civil Procedure Law of the People's Republic of China (2017 Revision)
 The parties concerned shall provide evidence for their claims in a timely manner. The people's court shall, according to the claims of the parties and the trial of the case, determine the evidence that the parties should provide and the time limit for it. If it is really difficult for the parties to provide evidence within the time limit, they may apply to the people's court for an extension of the time limit, and the people's court may appropriately extend the time limit according to the party's application. If the party concerned provides evidence within the time limit, the people's court shall order it to explain the reasons; If he refuses to explain the reasons or the reasons are untenable, the people's court may refuse to accept the evidence according to different circumstances, or accept the evidence but admonish or fine him.