First, you should first find the person who swiped the card with your relatives, and confirm that the credit card consumption is the other party's behavior through video, recording, text, etc., or collect the factual evidence of this person swiping the card. Second, after finding the evidence of the card swiper, because the other party is unwilling to pay back the money, you should submit relevant evidence to the people's court to sue the other party and ask the defendant to pay back the money. five