Legal analysis: First, report the loss of the locked card through the bank customer service phone in a timely manner; second, report to the police in time; third, promptly go to a nearby bank outlet or ATM machine to swipe the card once to prove that someone other than the person is spending money overseas; fourth, Complain to the bank to prove that the card has been stolen; fifth, contact the overseas card swiping unit in a timely manner and try every means to prevent the transaction from being completed and recover or reduce losses.

Legal basis: Article 264 of the "Criminal Law of the People's Republic of China" control, and shall be concurrently or solely fined; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or more or Life imprisonment and concurrent fine or confiscation of property.