Legal analysis: (1) Take a civil lawsuit directly through the court, asking the other party to return the credit card and pay off the overdraft amount and interest. (2) Evidence and evidence: 1. Bank bill or reminder; 2. Receipt of deposit issued by the bank; 3. You can apply to the court to collect evidence, such as signature and identification when swiping the card, and current video data obtained by the other bank. (3) You can report the loss of the card first, and then settle it through negotiation. If negotiation fails, you can sue again.

Legal basis: Article 121 of the Civil Procedure Law of the People's Republic of China shall specify the following items: (1) The name, sex, age, nationality, occupation, work unit, domicile and contact information of the plaintiff, the name and domicile of the legal person or other organization, and the name, position and contact information of the legal representative or principal responsible person; (2) Information such as the name, gender, work unit and domicile of the defendant, and information such as the name and domicile of the legal person or other organization; (3) the claim and the facts and reasons on which it is based; (4) Evidence and its sources, and the name and domicile of the witness.