Credit cards are ignored in China because they need my signature.
Just say it was stolen, and the stolen person admits that it is invalid to take your card. Don't say that you lent it to her (that is, if you authorize a replacement card, China Merchants Bank will not have any responsibility, and it will easily become an economic dispute between you, civil). Then the bank and the police station will investigate according to the information you provided, and then pursue criminal responsibility (the signature of the shopping credit card can be used as evidence). Be sure to know her address or family, for example,
If she is not in the same city as you, it will be more troublesome to cross the region, and generally a small amount will not be handled.
You can ask the local police to give you the information and go to her house to contact the local police for handling.