Clone card dispute involves many subjects and has complex legal relationships, especially the issue of civil liability sharing. Among these, the focus problem is the ownership issue and the burden-sharing problem of the stolen money. Here exist claims and liabilities between the cardholder and the bank deposits. Banks obtain the ownership of deposits and have obligations and responsibility to pay the property to the cardholder. The impersonator defrauds the bank’s payment by using the clone card information, but it does not affect the cardholder's debt request. Therefore, banks should be responsible for the payment, because the bank did not fulfill the corresponding obligation. Of course, if it can be proved that it is the cardholder's fault which has caused the leak of bank card information, the cardholder should assume corresponding responsibilities.