Legal analysis: 1. Different functions: Lutong B card is a prepayment, which will cause the recharge fee to be unused, occupy funds, and prevent funds from being fully circulated. Lutong A Card is a post-paid card, which reduces the initial financial pressure and maximizes the flow of funds. 2. Different properties: Lutong Card A is a "consume first, pay later" card. Use it first and pay later. It automatically transfers and swipes the debit card to travel on networked highways. The toll system automatically calculates tolls and records traffic information. Automatically and in installments debit charge card related fees from user accounts, safe, accurate and reliable. 3. The sales targets are different: Lutong Card A card (debit card) is sold to institutional users with high credit, one card for one car, the card is bound to the car, and consumption is first. Post-paid Lutong Card B cards are divided into two types: registered and bearer. The registered prepaid card can be used as one card per vehicle. The card is bound to the vehicle and can be reported as lost or cancelled; the bearer prepaid card can be reported as lost or cancelled. It can be used in multiple vehicles and cannot be reported lost.

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 counterfeit credit card;

(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.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.