Legal analysis: individuals can sue banks. In civil legal relations, individuals and banks are equal legal subjects. If an individual thinks that the bank's breach of contract constitutes a breach of contract, or that the bank has infringed on the legitimate rights and interests of the individual, he can sue the bank in court and ask the bank to bear corresponding legal responsibilities. The case is: 20 14 1. The plaintiff applied for a credit card in a bank in Shanghai with an overdraft limit of 50,000. After that, the plaintiff used the card to make purchases and pay back the money on time every month. On the evening of 2065438+04109, 14, the plaintiff received two mobile phone messages, saying that the plaintiff's credit card was spent twice in Thailand, amounting to $2,000 and $2,800 respectively. After receiving the short message, the plaintiff contacted the defendant's customer service to lock the credit card, and immediately went to the ATM of a nearby bank to check the credit card account, proving that the plaintiff was in Shanghai that day and the plaintiff's credit card was at the plaintiff's place. Subsequently, the plaintiff reported the case to XX Branch of Shanghai Public Security Bureau. Since then, the plaintiff has communicated with the defendant for many times, demanding that the above two stolen consumption records be revoked, but the defendant always disagreed, and the two sides failed to negotiate many times. After that, the plaintiff sued the court: 1. The plaintiff was not responsible for the repayment of two transactions (about RMB 29,760) that occurred on 20 14 and 10 respectively, and ordered the defendant to eliminate the personal bad credit record caused by the stolen credit card. The legal costs of this case shall be borne by the defendant.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 17 The basic people's courts shall have jurisdiction over civil cases of first instance, except as otherwise provided by this Law.

Article 18 The Intermediate People's Court shall have jurisdiction over the following civil cases of first instance:

(1) Major foreign-related cases; (two) cases that have a significant impact in the region; (3) Cases determined by the Supreme People's Court to be under the jurisdiction of the Intermediate People's Court.

Article 119 A prosecution must meet the following conditions:

(1) The plaintiff is a citizen, legal person and other organization that has a direct interest in the case; (2) Having a clear defendant; (3) Having specific requests, facts and reasons; (4) Belonging to the scope of civil litigation accepted by the people's court and the jurisdiction of the sued people's court.