1. The embezzler is the first person responsible. There is a tort liability relationship between the embezzler and the cardholder. He shall be responsible for returning the property in accordance with the provisions of the Property Law and the Tort Liability Law. If the amount exceeds a certain amount, he shall also bear the responsibility for "theft" in accordance with the provisions of the Criminal Law. "Crime" (the starting penalty for theft in Beijing is 2,000 yuan). 2. The card-issuing bank - the person responsible for failing to report the loss in time. The scope of responsibility that the card issuing bank shall bear is stipulated in the "Service Agreement" signed by both parties when applying for the card. The agreements of each bank are different. The most common point is that the bank is only responsible for the losses caused to the cardholder by failing to report the loss in a timely manner. In addition - The law is irresponsible. Therefore, if you find that your credit card has been stolen but do not apply to the bank to report the loss, the bank will not be held responsible. However, some banks have lost card protection services. If the bank card is lost within 48 hours (or 24 hours), they will bear liability within the limit (5,000 or 10,000 yuan), and stipulate strict conditions (such as non-password withdrawals, third-party withdrawals, etc.) Report loss immediately). The liability borne by the card-issuing bank will be compensated by the contracted insurance company. 3. The merchant who swiped the card is the person responsible for failing to perform reasonable review obligations. For credit cards that are withdrawn based on password only, the merchant who swipes the card has the obligation to verify the password; for credit cards that are withdrawn based on signature, the merchant who swipes the card has the obligation to verify whether the card user's signature is consistent with the reserved signature. If the card swiping merchant fails to fulfill the above obligations, it will need to bear corresponding responsibilities. 4. Cardholder 1 - the person responsible for failing to keep the card properly. According to the agreement signed between the cardholder and the bank, the cardholder shall properly keep the credit card. Once it is lost or the card information is leaked or stolen, the cardholder shall bear the responsibility equivalent to the fault of not keeping the credit card properly. -Once a credit card is stolen, most of the responsibility may lie with the cardholder. In the situation you described, your credit card was stolen at the same time due to improper storage, so you must also bear the corresponding responsibility.