2. If your card is lost or stolen, you must report it to the police immediately. If you don't report it in time, you may lose the chance of fixed evidence.
3. If the card is maliciously withdrawn from the ATM, you must report to the public security bureau, and then file an objection with the bank to freeze the account. After receiving the alarm, the police will access the video of the withdrawal from the bank. As long as it is proved that the person withdrawing money is not you and has no direct or indirect relationship with you, you do not need to bear the loss of malicious overdraft of the credit card. If the drawee has a direct or indirect relationship with you, then you must prove that his withdrawal behavior has nothing to do with you, at least prove that you don't know. If you can't prove it, then you should also bear the corresponding legal responsibility.
conclusion: according to the different ways that people who maliciously overdraw get credit cards, your methods are different. If you lend it to the other party, then you can recover the loss through negotiation, and if you can't recover it, call the police and freeze the account. If it belongs to loss, theft, robbery, etc., then you must call the police first and then freeze the account. However, you should clearly provide enough evidence to prove that the malicious overdraft behavior has nothing to do with you. Even if it is related (you lent the card to others), you should prove that you are ignorant (prove that you are innocent). If you can't prove these two points, then you have to bear some corresponding responsibilities.