The circumstances that constitute the crime of credit card fraud include:

1. 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. One of the following circumstances.

The circumstances that constitute the crime of impairing the management of credit cards include:

1. Holding and transporting a forged credit card knowingly, or holding and transporting a forged blank credit card knowingly, in a large number;

2. Illegally holding other people's credit cards in large quantities;

3. fraudulently obtaining a credit card by using a false identity certificate;

4. selling, buying or providing others with forged credit cards or credit cards fraudulently obtained with false identification.

To sum up, it is a civil act to repay the credit card on behalf of others. It is not illegal, will not be sentenced, and does not need to bear the responsibility of civil compensation or administrative punishment. Those who commit credit card fraud and constitute a crime will be sentenced by the court.

Legal basis:

Article 177 of the Criminal Law of the People's Republic of China

The crime of obstructing credit card management is under any of the following circumstances, and it shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be fined not less than 1, yuan but not more than 1, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 1 years, and shall also be fined not less than 2, yuan but not more than 2, yuan:

(1) Holding and transporting a large number of counterfeit credit cards knowingly, or holding and transporting a blank credit card knowingly;

(2) illegally holding other people's credit cards in a large number;

(3) fraudulently obtaining a credit card by using false identification;

(4) selling, buying or providing others with forged credit cards or obtaining credit cards by fraudulent identification.

crime of stealing, buying or illegally providing credit card information. Whoever steals, buys or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.

any employee of a bank or other financial institution who commits the crime mentioned in the second paragraph by taking advantage of his position shall be given a heavier punishment.