Legal analysis: Bank staff illegally applying for credit cards for others is a crime of credit card fraud and obstruction of credit card management.

Legal basis: Article 177 of the Criminal Law of the People's Republic of China and the People's Republic of China. The crime of obstructing credit card management refers to the violation of national credit card management regulations, during the issuance and use of credit cards, etc. Acts that hinder the state's management activities on credit cards and undermine the order of credit card management. Specific acts include:

(1) Knowingly holding and transporting counterfeit credit cards, or knowingly holding and transporting blank credit cards in large quantities;

(2) Illegally holding other people’s credit cards in large quantities;

(3) Using false identity certificates to fraudulently obtain credit cards;

(4) Selling, purchasing, or obtaining credit cards for Others provide forged credit cards or credit cards obtained fraudulently with false identification.