1. Make sure you have money in your bank account . It can be any amount2. Go to any shop and spend some money from your card you wouldn’t mind getting back
3. After you have spent some money call your bank and say that you have lost your card and someone else has used it.
4. By law , the bank should refund you your money
5. MAKE SURE YOU DO NOT USE THE THAT SAME BANK CARD AND REQUEST A NEW CARD