Is it the responsibility of credit card fraud to steal the bank?

Credit card fraud involves four main bodies: the swiper, the issuing bank, the merchant and the cardholder, and it is fair to bear civil liability according to their respective faults. It can be seen that credit card fraud is responsible for stealing banks. 1. Stolen person: The first responsible person, from a civil point of view, has a tort liability relationship with the cardholder, and should be responsible for returning the property according to the provisions of the Property Law and the Tort Liability Law. From the point of view of criminal law, if the amount of theft by thieves reaches a certain amount, it constitutes theft and needs to bear corresponding criminal responsibility. 2. Issuing bank: the contractual relationship between the issuing bank and the cardholder. Through the analysis of some trial cases made public by the courts, local courts agreed that banks and cardholders have a contractual relationship, and banks are obliged to provide the necessary safe and confidential trading environment to protect the property safety of cardholders. Banks fail to fulfill their security obligations, which constitutes a breach of contract and should bear the corresponding liability for breach of contract. 3. Special merchants: Reasonable Prudence Obligation Special merchants shall perform general prudential obligations on whether the identity of the cardholder is consistent with the personal identification information stated in the credit card, otherwise they shall bear civil liability. Just like the above case, a department store was found to be responsible for not paying due attention to the signature on the POS transaction voucher. 4. Cardholder: The obligatory cardholder shall keep the credit card properly. If the card is stolen due to its loss or disclosure to others, the cardholder shall bear the corresponding fault liability. ?