Legal analysis: The filing criteria for the crime of credit card fraud: (1) Use forged credit cards, credit cards fraudulently obtained with false identity certificates, invalid credit cards, or fraudulently use other people’s credit cards to conduct credit card fraud activities, the amount More than 5,000 yuan; (2) The cardholder maliciously overdrafts more than 10,000 yuan for the purpose of illegal possession, and the card-issuing bank still fails to return it after two calls for more than 3 months.

Legal basis: Article 266 of the "Criminal Law" Whoever defrauds public or private property and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely be fined; if the amount is huge or If there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined; if the amount is particularly huge or 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 or his property shall be confiscated. If this law provides otherwise, the provisions shall prevail.