If a credit card is defrauded, the victim has to repay it himself. If a credit card is defrauded, the victim should call the police immediately. According to Article 36 of the Criminal Law, if the victim suffers economic losses due to criminal acts, in addition to being given criminal penalties in accordance with the law, the criminals shall also be sentenced to compensate for the economic losses according to the circumstances. If a criminal who bears civil liability for compensation is also sentenced to a fine and his property is insufficient to pay the full amount, or if his property is sentenced to confiscation, he shall first bear civil liability for compensation to the victim. Article 196 stipulates that anyone who engages in credit card fraud with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. Article 36 of the Criminal Law: If the victim suffers economic losses due to criminal behavior, in addition to criminal punishment in accordance with the law, the criminal shall also be sentenced to compensate for the economic losses according to the circumstances. If a criminal who bears civil liability for compensation is also sentenced to a fine and his property is insufficient to pay the full amount, or if his property is sentenced to confiscation, he shall first bear civil liability for compensation to the victim.