If you find it stolen, you should immediately call the bank to report the loss and call the police. (This is a very important record)

Confirm the loss amount, such as the difference between the last card and the current card.

Prepare evidence for personal use. (For example, where was this person during the theft, etc. )

Go to the bank to negotiate. Every bank has certain authority. If it is several thousand dollars, the bank can confirm that it is stolen and handle it by itself, which can save a lot of trouble. A large amount is not counted)

If you can't do the above, sue.

Note: Just change the original card and then change the password.