Reason one: the cost is not worth it.

The cost of winning this lawsuit is likely to exceed the money she owes you. Although the losing party bears all the litigation costs, in practice, it is impossible for the losing party to bear all the responsibilities, and the losing party only bears the litigation costs recognized by law. However, the lawyer's fees, travel expenses, communication fees, data collection fees and lost time fees you spent on this lawsuit will not be counted on the losing party.

Reason 2: The case is too complicated.

The complication is that you voluntarily lend your credit card to the other party, just as you voluntarily leave the door unlocked. Once stolen, it's hard to explain. Even if the other party can completely deny the account and just say that she didn't borrow it, it is difficult for you to prove to the court that it was her who swiped the card. Even if you prove it's her, you have the legal responsibility to keep your credit card. You failed to fulfill this responsibility, which led to a vicious overdraft. It is not clear who will pay the bill when the lawsuit is over.

Reason 3: The people involved are too sensitive.

You know this because the other person is from Taiwan Province Province. At present, the mainland is sensitive to Taiwan-related cases, and Taiwan Province Province is also sensitive to mainland-related cases. Moreover, even if your lawsuit finally wins, enforcement needs the joint implementation of the police and judicial departments on both sides of the strait. Do you think they will fight for your 35,000 yuan? Of course, this does not mean that people in Taiwan Province Province can do whatever they want on the mainland. But I can only say that the amount involved is too small and the case is unknown. I'm afraid it's difficult for both sides to unite and enforce the law seriously.

In a word, I advise you to take this as a lesson, bite the bullet and admit it yourself, and never lend your credit card to others again. In addition, I suggest that you don't consult a lawyer. Unless the lawyer is your friend, the lawyer will definitely advise you to take the only money you have and go through legal procedures seriously.

13000 yuan plus some interest, which is neither too little nor too much. I'd better find a way to pay it back myself. Think about it, how many 13000 can you earn in your life? Now, how long are you going to torture yourself for this 13000?