Yes. According to the query on Hualv.com:

1. The perpetrator who constitutes the crime of fraudulently using other people’s credit cards must have the subjective purpose of defrauding others of their property. Only when there is subjective intention to defraud and objective behavior of fraudulently using other people's credit cards can the crime of credit card fraud be constituted. In practice, some credit card holders lend their credit cards to others, such as relatives and friends. In terms of performance, the user is also fraudulently using other people's credit cards, but the user's behavior of fraudulently using other people's credit cards is subject to the cardholder's consent. Although this behavior violates the regulations on the use of credit cards, the user does not subjectively intend to illegally possess the cardholder's property. Therefore, it does not have the essential characteristics of the crime of credit card fraud. In this case, it can be corrected. Or it shall be handled in accordance with relevant regulations and this article shall not apply and shall be treated as a crime.

2. The crime of obstructing credit card management is essentially an intermediate link between the crime of counterfeiting credit cards and the crime of credit card fraud; the purpose of legislating this crime is to more effectively combat and prevent credit card fraud crimes. The relationship between this crime and the crime of counterfeiting financial instruments (including counterfeiting of credit cards) and the crime of credit card fraud is relatively complicated. Therefore, fraudulently using other people's credit cards and writing IOUs afterwards can be prosecuted for credit card fraud.