Legal analysis: 1. Submit filing materials to the public security organ. And truthfully state the incident and provide corresponding evidence materials, mainly including the registration information of the criminal suspect when opening a card account or the information of the credit card user who was stolen or fraudulently used, the bank bill of the defrauded money, the bank collection notice credentials, etc. And cooperate with the public security organs to make a record and obtain the receipt of the report. 2. The public security organ shall inspect and investigate the accepted materials to determine whether a criminal fact has occurred and whether the perpetrator should be investigated for criminal responsibility. For cases that need to be filed, file a case. For those who do not need to file a case, the staff will make a notice of not filing a case. After the relevant person in charge agrees, inform the complainant of the reasons for not filing the case. If the complainant refuses to accept it, he may apply for reconsideration.

Legal basis: Article 109 of the Criminal Procedure Law of People's Republic of China (PRC), when a public security organ or a people's procuratorate discovers a criminal fact or a criminal suspect, it shall file a case for investigation within its jurisdiction.