I can't answer your question about this case, but I can give you a message. You can't enjoy the card loss protection, because in this case, your girlfriend authorizes others to use the card, unless there is no evidence that your girlfriend has authorized behavior. On the premise that the cardholder has no authorization, there are two aspects that can protect the interests of the cardholder when the card is stolen. -48-hour card loss protection. Second, the merchant has not checked the signature, and the merchant is responsible. This aspect is a matter for banks and merchants, and has nothing to do with card holding. It is handled by banks.

Of course, in fact, when you reported the case, you made a record of verbally authorizing others to use the card. So where should we start?

Personal understanding: go to the bank to negotiate. If the bank is perfunctory, complain to the CBRC.