The thief-the first responsible person, the relationship between the thief and the cardholder is tort liability, and should be responsible for returning the property in accordance with the provisions of the Property Law and the Tort Liability Law. If it exceeds a certain amount, it shall also be investigated for criminal responsibility for "theft" in accordance with the provisions of the Criminal Law (the starting point of theft is 2000 yuan). However, this small-scale economic crime has a low detection rate, and thieves often can't find it, so they can't bear the responsibility of refunding money. Therefore, the theft of credit cards eventually becomes the responsibility of cardholders, banks and credit card merchants.

Legal basis: Article 2 of the Civil Law: Anyone who infringes upon civil rights and interests shall bear tort liability in accordance with this Law. Article 3 The infringed party has the right to request the infringer to bear the tort liability. Article 4 Where an infringer should bear administrative or criminal responsibility for the same act, it shall not affect the tort liability according to law.