The credit card was issued by China Construction Bank. China's financial & banking system is not as advanced as the US, many Chinese people don't use online banking at all.
Her father was the main card holder, and she was using the second card, her father paid the bills every month as soon as he received the paper statement, he didn't notice anything suspicious.
Her father was the main card holder, and she was using the second card, her father paid the bills every month as soon as he received the paper statement, he didn't notice anything suspicious.