If a credit card is stolen, the first thing the user should do is to call the bank to freeze the credit card or report it lost. Then go to the police station to call the police and get the report receipt. If the police can recover the stolen amount, the money does not need to be paid back at this time. The money was not recovered because the card holder's password was leaked and the card was stolen. The money was repaid by the card holder.

After the credit card is frozen or reported as lost, the card is still stolen and swiped even if the card is abnormal. This responsibility lies with the bank.