1: It is necessary to call the police. As for whether the police station will immediately file a case for acceptance, there is no need to worry about it. It is important to ask the police station to issue you a written report certificate. The sooner the better, before the bank uses judicial procedures to recover the money.

2. With the figure of 40,000, the bank will definitely take it back. In addition, for banks, the core issue is to find out whether you intentionally lend your identity to others to apply for credit cards and seek illegal benefits in partnership. But you can issue a proof that all the consumption is not yours, which is a good proof. First, sign. (The signature on all POS sheets is not dad) Then the time and place of swiping the card can be proved.

The bank can't find any evidence to prove that your father deliberately colluded with others. Neither can the police station. At the same time, all the evidence left can prove that it was not your father's consumption. The responsibility lies entirely with the bank. It was the examination and approval department of the bank that didn't find these, and someone took advantage of them. Of course, the loss must be borne by yourself. Included in the bad debt reserve by the bank.

In this case, please pay attention to two points:

One: proof of reporting. Such proof may be needed when the bank closes the case.

Two: The signature is not my own. (signature when spending, signature on the credit card application kept by the bank. Police stations and banks should repeatedly emphasize this point.