There are many ways for leaders to refuse to borrow a credit card. The first method is to say that there is a small problem with their credit card, which is already expected. What the subtext means is that my credit card is locked and has expired. If your boss uses the credit card, does he have to help me pay it back? If you don't help me pay it back, what kind of credit card do you use? So whether he wanted to borrow it or not, it would be awkward. If you borrow it, then he will help you pay it back, or give you money to pay it back. So he thought it would be better not to borrow it. You make him feel that borrowing a credit card is a hassle. No one likes trouble, but everyone likes convenience, so he will not borrow a credit card. It is not that we refuse explicitly, but that we refuse in a subtle way.