Legal analysis: No, lending a bank card for transfer at will violates the agreement with the bank, and handling a bank card will form a contractual relationship with both banks. This contractual relationship is non-transferable. Therefore, transferring the bank card without the consent of the bank means transferring or changing your contractual rights and obligations, which is both a breach of contract and an invalid act. Joint and several liability refers to a kind of civil liability that two or more parties bear all or part of their debts according to the law or the agreement of the parties, which can cause their internal debt relations. When there is more than one responsible person, everyone has the responsibility to pay off all debts, and there is a joint relationship between the responsible persons. Legal basis: Article 25 of the Criminal Law of People's Republic of China (PRC) refers to intentional crimes committed by two or more persons. If two or more people commit a negligent crime, they shall not be punished as negligent crimes; Those who should bear criminal responsibility should be punished according to the crimes they committed.