I have a problem, and my apologies if I’ve posted in the wrong place. I ordered a Sainsbury’s 0% credit card a couple of weeks ago and had wondered why it hadn’t turned up. It had. My sister had intercepted both of the letters (one with the card and one with the pin) and by the time I’d got it she’d maxed the entire £1,200 balance in less than a week – including over £1,000 in withdrawals. There are various reasons why there is no point me having her prosecuted – amongst which she has BPD and won’t learn anything and that I am a student and get paid the week beginning the 24th September – but what can I do to reduce how much this is going to cost me in the meantime?