LOL
Dude, you keep a 10k credit in your wallet? WoW.
That's a very dumb choice, my parents have 200k+ in their checking accounts. In their wallets they only carry one checking account card that never exceeds 1k, they always transfer money from the other checking accounts into the one they have in their wallet. Try to manage your credit this way.
ANYWAY, it was not your fault they lost your card, get an attorney and try to get back what was taken from you.