If it is stolen from a different place, I suggest you go to the supermarket to spend your money by credit card immediately and keep the receipt as evidence that you are not in a different place. There are very few cases in which credit cards are stolen and customers finally get bank compensation. If customers want to claim their property rights, they must provide that there is no fault in using credit cards, that is, they have not disclosed their passwords and account numbers. This is very difficult. Magnetic stripe cards are very unsafe. Some countries around us have replaced chip cards, which greatly improves the security. Banks in China are slow to replace chip cards because of high cost and low risk, so they don't have to pay for stolen cards.

As for whether it is the responsibility of the bank to "unfreeze the payment difficulty request on 3 1", it depends on whether the bank's operation conforms to the regulations.