Since it is the bank's fault that the stolen credit card was stolen after the loss was reported, it has nothing to do with the cardholder. No matter whether the telephone report of loss goes to the counter or not, the report of loss takes effect immediately, and the credit card risk of non-personal transaction is borne by the bank, which means that the cardholder does not need to repay the stolen credit card. If the card is lost and not reported in time, then the responsibility for being stolen is the cardholder himself.
The risk of credit card theft means that the cardholder does not participate in the process of stealing credit cards. After all, some people like to take up empty seats, report the loss of their credit cards themselves, and then instruct friends or family members to steal them. In this case, once the bank finds out, it will punish them and be responsible for the stolen money.
If someone uses your name to make up a stolen card, you can call customer service to inform you of the stolen card and the bank will verify the situation. Every bank has a strong anti-fraud system. After verification, the cardholder will not suffer losses, and the cardholder can rest assured.