Credit card

I am one unhappy person...
This year has been very bad for me and it is getting worse month by month!
After two successive accidents, just as i was recovering from all the pain, i land up in this credit card problem.
I ask myself, now thinking back on the previous Saturday? how can i be such a fool, so careless. After all the things that i tell my room-mate about how careless he is. shit man. i am in deep shit now.
Some smart ass, i don't know whether he has prior experience in the art of using someone Else's credit card or not, but he will surely get away this time. i really don't know what to do.
I have told myself to keep a pen at hand a thousand times and even as i am writing this i still don't have a pen. It was all because i didn't have a stupid 10rs pen. Now i end up paying 36k to the damn bank who practically don't care who uses the card, all they want is the card to be swiped at as many places as possible, the more the merrier..
If only i had a pen that day i needn't have borrowed one from some unknown guy and then i remembered to return the pen, but forgot to get my card..
here is the story.
I get a few thousand rs for doing crappy work and then i decide to celebrate by b'day by giving a small treat to my room-mates. we go out have a good time and next morning i get up and get this brilliant idea of paying my outstanding credit card bills. I go to the bank, without a pen!, and there i do the borrowing, copying card number onto deposit slip, depositing money and all, but in the end i forget to take my card with me. Some guy, I'm sure he is a customer of the bank where i went flicks the card and has a nice time shopping in all the places he can imagine(its a he, I'm sure of that also) buying all the stuff he wants. I realise this when someone from customer care calls up and asks me "Dude u are spending a lot today! whats up?!", I'm like "WTF!!!" and then "oh!! shit!", god save me.
I really don't' know what to do now and the police are not really helpful, i mean what can they do when the bank is saying they'll let me know when i should pay the money soon. :-(
this month has had a fucked up beginning and i have a notion that it will end that way.
.i.. to the guy who had my card. i know he doesn't care, or wouldn't mind.