Credit card fraud involves four parties: the embezzler, the card-issuing bank, the merchant and the cardholder. It is fair to bear civil liability based on their respective faults. It can be seen that banks should bear some responsibility for credit card fraud. 1. Embezzler: From a civil point of view, the first responsible person is the tort liability relationship between the embezzler and the cardholder. He should bear the responsibility to return the property in accordance with the provisions of the Property Law and the Tort Liability Law. From the perspective of criminal law, if the embezzlement reaches a certain amount, it constitutes the crime of theft and needs to bear corresponding criminal liability. 2. Card-issuing bank: Security guarantee obligation is the contractual relationship formed between the card-issuing bank and the cardholder. Judging from the analysis of some public trial cases, courts in various places have unanimously held that: a contractual relationship is formed between a bank and a cardholder, and the bank is obliged to provide the necessary safe and confidential transaction environment to protect the safety of the cardholder's property. . If a bank fails to fulfill its security obligations, it constitutes a breach of contract and shall bear corresponding liability for breach of contract. 3. Special merchants: Duties of reasonable prudence Special merchants should exercise general prudence to determine whether the identity of the cardholder is consistent with the personal identity information stated on the credit card, otherwise they shall bear civil liability. For example, in the above-mentioned case, a department store was at fault for failing to exercise due care and attention in the signature on the POS transaction voucher and was found liable. 4. Cardholders: Obligation to keep the card properly. Cardholders should keep their credit cards properly. If the card is lost or handed over to others for use and the information is leaked, causing the card to be stolen, the cardholder must bear the corresponding fault liability. ?