If the signature on the credit card application form is signed by yourself, then you must bear all the consequences of not repaying it unless you help him repay it.

If you don't repay, the bad consequences are:

1, entered the central bank's credit blacklist, and it is forbidden to make loans to any bank such as buying a house or car for many years;

2. Receive a court summons, file a lawsuit, and finally you repay;

3. Those detained by public security organs are accused of credit card fraud;

4. The bank cards of all banks in your name will be frozen;

This is a big deal for you personally. Please return it to your friend as soon as possible, or change the money yourself, even if you say it's not for your own use. Learn while eating. If you don't care about this, you will cash in all the negative consequences.

If you don't sign in person, you can consult a lawyer first and entrust a lawyer to help you deal with this matter.