Translation—English into Chinese The regulations make it safer for you to use your credit card for shopping on the Internet or over the phone. If someone else makes dishonest use of your credit card, you can cancel the payment and the card issuer（发卡机构）must refund the money to your account. The card issuer will want you to tell them as soon as possible if your card has been lost or stolen or if you find out that someone has used your card details dishonestly.