Please ask a professional lawyer to explain. Thank you.

Make sure there is 6 thousand in the card first, and then the balance will be returned to you when you return the card, so it is not impossible for you to return the money to that person first. This is a method. The second is to negotiate with the other party and return the money to her after the card is cancelled. The credit card is yours, so legally speaking, there is a contractual relationship between you and the bank. If you illegally use a credit card and lend it to others, the cardholder must bear the corresponding legal responsibilities. The credit card cashing behavior has been suspected of breaking the law, and the cardholder is suspected of credit card fraud. As for the dispute between you and the repayment person, it is likely that she threatened you just to get your money back as soon as possible. Fraud is a criminal case and there is no question of prosecution. If you suspect that you are cheating, you just need to call the police, and then the police will come to you, and then pay the civil compensation. She cashed in with a credit card, which is also a crime. She is also suspected of credit card fraud, and she is not stupid enough to send herself in. Even if she is stupid, you can remind her of the consequences.