No matter how much money has been stolen, cardholders should go to the nearest public security bureau or police station to call the police. When reporting the crime, they can provide information for self-collection of evidence. If there are results after the case is filed, the losses can be reduced and the reasons for the fraud can be understood. After the case is filed, the police will issue a notice of filing the case, and the cardholder can provide this notice to the bank to increase the success rate of the appeal.

If stealing a credit card and using it constitutes the crime of theft, the filing standard for the crime of theft is between one thousand yuan and more than three thousand yuan. The filing standards for the crime of theft are different in various provinces and cities, and the standards for the crime place shall prevail. If you use someone else's credit card fraudulently, it may constitute a crime of credit card fraud, and a case should be filed if the amount exceeds 5,000 yuan.

Legal basis: Article 264 of the "Criminal Law" Whoever steals public or private property in a relatively large amount, or who commits multiple thefts, burglaries, thefts with weapons, or pickpocketing shall be sentenced to a fixed-term imprisonment of not more than three years. Imprisonment, criminal detention or public surveillance, and shall be concurrently or solely fined; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to ten years The above sentence shall be fixed-term imprisonment or life imprisonment, and shall also be punished with a fine or confiscation of property.