Second, analysis: If you rob someone else's credit card, but there is no actual consumption, how to calculate the amount?

1. Calculation of the amount of robbery: if the credit card is used and consumed after being robbed, the amount actually used and consumed is the amount of robbery;

If the credit card is not actually used or consumed after being robbed, the amount will not be calculated, and the sentence will be imposed according to the seriousness of the case.

2. If the amount of credit card robbery is huge, but it is not actually used or consumed, or the amount actually used and consumed does not reach the standard of huge amount, the statutory punishment of "huge amount of robbery" is not applicable.

3. In this case, there are both used parts and unused parts. We can't just convict and sentence with 654.38+00000 yuan, but we should consider the fact that 654.38+00000 yuan has been used and the fact that 20000 yuan is not used and is in the hands of criminal suspects. Therefore, this case should be based on the whole case, instead of being convicted and sentenced to 6,543,800 yuan.