Legal analysis: 1. Write the word "proof". This is the title. It should be bold and centered, and the font should be larger. 2. The title should be capitalized, and a colon should be added after writing. 3. The text should be written in two spaces, and the name and the reason for the difficulty should be written. 4. Write in the two blanks at the end "The situation is true, which is hereby certified". This must be written. 5. Leave three blank lines, and write the company name and reservation at the end of the article, and it is finished. The name of the lender is required on the poverty certificate, and it is exactly the same as the name on my ID card. It can't be replaced by homophones or irregular abbreviations, and there can't be typos. The name of the lender shall not be changed. Proof of poverty requires the official seal of the township (town) people's government where the family is located, or the official seal of the higher authorities. Among them, the effective official seals are: township (town) people's government, county civil affairs bureau and civil affairs bureau. Urban residents can be the official seals of neighborhood committees, neighborhood offices and communities. Note that the official seal of the villagers' committee and the official seal of the unit are invalid. Try not to have more than two official seals on the poverty certificate. The words "the family is in financial difficulties and needs" appear in the poverty certificate. Proof of poverty requires material paper or manuscript paper, written with a pen or water-based pen. Writing with a ballpoint pen is invalid.

Legal basis: 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 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 especially 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 confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(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.