【裁判要旨】持卡人使用信用卡在特约商户处进行交易的过程中,在持卡人与特约商户之间不存在特约商户对信用卡签账单上的签名进行审核的义务。因此,在信用卡被盗情形下,在盗用者无法查清或者虽然查清,但是其已无能力赔偿该笔损失时,该损失应当由持卡人本人承担。 Referee Key Points Cardholders use credit cards to make transactions at authorized merchants without the obligation of merchants to review the signatures of credit card bills between cardholders and merchants. Therefore, in the case of a stolen credit card, if the stolen item can not be found out or if it is found out, it has no ability to compensate for the loss, and the loss should be borne by the cardholder himself.