Legal analysis: It is recommended that you sue your ex-husband to defend your rights. If it can be proven that it was your ex-husband's fault, you can seek compensation from him. May I ask why you put your credit card with your ex-husband and he swiped your credit card? Don’t you know if he has any property? If you need help, you can contact me and I will try my best to protect your legal rights and interests.

Legal basis: Article 676 of the "People's Republic of China and Civil Code" If the borrower fails to return the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.