Go to the public security bureau to report the case and apply to the bank card to stop using these three cards. It's almost impossible for you to get your money back through civil litigation, because if this case is civil, civil litigation is' who advocates who gives evidence'. Obviously, with your personal verification ability, it is difficult for you to get sufficient evidence to prove that she spent your money, so you can't win. But this has constituted a criminal fraud. At present, the only way you can get your money back is to report it to the police. If her family or she returns the money to you after reporting the case (it must be after getting the money), including the penalty interest for overdue repayment, you can explain the situation to the public security organ and close the case, but it depends on the public security bureau and is beyond your control.