1. Picking up a bank card to withdraw money will constitute theft. Picked up a card that Reng Zhang had in the owner's hand, but took it out of the owner's control without the owner's knowledge, and confiscated the money in it, which fully conforms to the characteristics of secretly stealing other people's property for the purpose of illegal possession.

2. Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC).

Under any of the following circumstances, it constitutes the crime of credit card fraud, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Second, how to deal with the bank card?

The found bank card is processed as follows:

1, that is, give the bank card to the corresponding bank counter, and say that it has been found and handed over to the bank for processing.

2, can be handed over to the nearby police station, can be properly handled.

3. However, if it is inconvenient to use the above two methods, you can also call the bank phone of this bank card and say that you have found it. It's not convenient to go to the bank counter now. You can ask the bank staff to help you on the phone.

4. The bank card is directly cut and discarded, and the owner will report the loss and re-apply, so there is no financial loss.