1. (1) File a civil lawsuit directly through the court, requiring the other party to return the credit card and pay off the overdraft amount and interest.

(2) Evidence: 1. Bank statement or reminder note 2. Deposit receipt issued by the bank 3. You can apply to the court to collect evidence, such as the signature and identification when the card is swiped and the other party's bank when withdrawing cash. Video recordings, etc.

(3) You can report the card as lost first and then negotiate a solution. If negotiation fails, you can then sue.

: Article 121 of the "Civil Procedure Law of the People's Republic of China" stipulates that the following matters shall be recorded in the complaint:

(1) Name of the plaintiff , gender, age, ethnicity, occupation, work unit, residence, contact information, the name, residence of the legal person or other organization, and the name, position, and contact information of the legal representative or principal person in charge;

(II) ) The name, gender, work unit, residence and other information of the defendant, the name, residence and other information of the legal person or other organization;

(3) Litigation claims and the facts and reasons on which they are based;

Prosecution Process

1. Civil cases heard by the People's Court shall be heard in public, unless they involve state secrets, personal privacy or otherwise provided by law. For cases that are decided to be heard in court, both parties will be notified three days before the hearing.

2. A court hearing is roughly divided into several stages: court investigation, court debate and review, and sentencing. If you make a request for recusal, you need to give your reasons. If you do not make an application or if your application is refused, the hearing will continue.

3. During the court investigation stage, the presiding judge or judge will organize both parties to present and cross-examine their requests and claims in order. Cross-examination is when the parties question, explain and argue about the authenticity, relevance and legality of the evidence, as well as whether the evidence has probative power and its probative power.

4. During the court debate stage, the presiding judge or judge will organize both parties to express their opinions on the focus of the dispute and focus on the facts and legal responsibilities of the entire case.

5. During the deliberation and sentencing stages, the collegial panel or the judge will summarize the trial situation, comment on the opinions expressed by both parties, indicate whether to support it, and explain the reasons.

6. If you are the plaintiff and refuse to appear in court without justifiable reasons after being summoned by the court, the court may dismiss the case; if the defendant counterclaims, a default judgment may be made.

7. As a party, you can reconcile with the other party at any stage of litigation before the judgment is announced, or request the People's Court to host mediation. If mediation is not agreed or a mediation agreement is not reached, the People's Court will continue the trial and make a judgment.