Credit card fraud, suspected of one of the following circumstances, should be prosecuted: (1) using forged credit cards, using forged identity documents to defraud credit cards, using invalid credit cards, using other people's credit cards, engaging in fraud activities, the amount is more than 5,000 yuan; (2) Malicious overdraft, with the amount exceeding 1 1,000 yuan. The term "malicious overdraft" as mentioned in this article refers to the fact that the cardholder, for the purpose of illegal possession, exceeds the prescribed limit or time limit and fails to return it after being repeatedly urged by the issuing bank for more than 3 months. Malicious overdraft, the amount of which is more than 6,543,800 yuan but less than 6,543,800 yuan, has been fully paid off before the public security organ files a case, and the circumstances are obviously minor, so criminal responsibility shall not be investigated according to law. Article 196 of the Criminal Law of People's Republic of China (PRC) commits credit card fraud under any of the following circumstances. 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 particularly 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 his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (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. "