Hello, if it is a China Merchants Bank credit card, the card owner needs to repay the credit card debt.

If a credit card is lost, stolen or possessed by others, the cardholder should report the loss immediately. The risk of misappropriation after a credit card is reported lost is borne by the bank. Non-password consumption within 48 hours before the loss is reported is covered by card loss protection according to specified rules. If the card is not reported lost in time, the risk incurred will be borne by the customer himself. To report a loss, please call the credit card customer service hotline 4008205555, select "2#" and transfer to the customer service specialist.

Note: Reporting the loss of credit cards cannot be handled on behalf of others.