in the crime of credit card fraud, "fraudulently using another person's credit card" refers to the act of impersonating another person's identity for the purpose of illegal possession, and using the credit card to withdraw money and transfer money from special merchants, bank counters and ATMs. The fraudulently used credit card can be a legal and valid card of another person, or a card forged, fraudulently obtained or invalidated by another person. In judicial practice, generally, six behaviors, such as fraudulently using other people's credit cards, fraudulently using credit cards kept on behalf of others, and fraudulently using other people's credit cards through online banking and telephone banking, are identified as "fraudulently using other people's credit cards" in Item 3, Paragraph 1, Article 196 of the Criminal Law, and are punished as credit card fraud.