Legal analysis: Yes, one day in December 2007, the defendant Wang Moumou lied about helping Yang xx apply for a credit card and obtained a copy of Yang xx’s ID card and other information materials. On December 24 of the same year, Wang Moumou used a copy of Yang xx's identity and a forged income certificate to apply for a credit card with a credit limit of 14,000 yuan from CITIC Bank Co., Ltd. But Wang Moumou told Yang xx that the credit card application had not been completed. Subsequently, Wang Moumou used the credit card to make purchases in the name of Yang xx many times. On January 28, 2010, Wang Moumou overdrafted the principal of 14,000 yuan and has not yet repaid the principal and interest. Around February 2008, the defendant Wang Moumou borrowed a copy of his ID card from Zhou Moumou on the grounds that he needed to use his Zhengzhou household registration ID card to make a landline phone call. On February 26 of the same year, Wang Moumou used a copy of the ID card and a forged income certificate to apply for a credit card with a credit limit of 14,000 yuan from CITIC Bank Co., Ltd. Subsequently, Wang Moumou used the credit card to make purchases in Zhou Moumou's name many times. On January 30, 2010, Wang Moumou overdrafted the principal of 14,000 yuan and no longer repaid the bank amount, and then repaid 1,362 yuan and 10 yuan in two installments. The remaining principal, interest, etc. have not yet been repaid.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to defraud someone. (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.