If a credit card is stolen, it can be reported to the police in time. If it is resolved through litigation, the court will determine their respective responsibilities and compensation ratio according to whether the issuing bank, merchants and cardholders are at fault or not. Stealing a card means that criminals obtain the cardholder's bank card or password through various illegal means, or only obtain the bank card number, password and other information related to the cardholder's identity, and use these information to make fake cards and impersonate the cardholder's identity to swipe their cards through POS machines, transfer money on ATM machines, withdraw cash and other illegal acts. Legal objectivity:

Article 196 of the Criminal Law of the People's Republic of China commits credit card fraud under any of the following circumstances. If the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank.