1. The criminal who steals the credit card is the first responsible person. In civil law, there is a tort liability relationship between the person who swiped the credit card and the original owner, and he has the responsibility to return the stolen credit card. In criminal law, stealing a brush to reach the legal amount will constitute theft or credit card fraud, and it will bear criminal responsibility.

2. Banks have the obligation to protect the legitimate rights and interests of cardholders and prevent credit cards from being stolen. Because the bank's security measures are insufficient and the credit card is stolen, then the bank needs to bear the liability for compensation.

3. Merchants are obliged to verify the identity of consumers when conducting transactions. Because the credit card was stolen because the merchant failed to fulfill this obligation, the merchant needs to bear the liability for compensation.