After receiving a credit card crime reporting warning letter from the bank, the cardholder should repay the credit card debt as soon as possible, otherwise the bank will report the case to the public security organ, investigate the crime of credit card fraud, and hold the cardholder criminally responsible.

1. In this case, the cardholder should repay the outstanding balance as soon as possible. If you are really unable to repay, you should also communicate with the bank and ask for a grace period for repayment and an appropriate reduction in overdue fines.

2. According to Article 196 of the Criminal Law, the crime of credit card fraud refers to the crime of using credit cards to commit fraud. The act of illegally possessing a credit card for the purpose of illegal possession, violating the credit card management regulations, and defrauding or defrauding a large amount of property. Credit cards and malicious overdrafts. Credit card fraud is a type of fraud. The relationship between this crime and the crime of fraud is that of special law and general law. In this crime, the credit card was a criminal tool, not a criminal object.

Constituting elements The constituting elements of the crime of credit card fraud are as follows:

1. The object of this crime is the credit card management system and the ownership of public and private property.

2． The objective aspect of this crime is that the criminal uses a credit card to fabricate facts or conceal the truth to defraud public and private property.

3. The subject of this crime is a general subject, and natural persons can become the subject of this crime.

4. The subjective aspect of this crime is intentionality, which is direct intention. Subjectively, the perpetrator must also have the purpose of illegally occupying public and private property. Indirect intentional and negligent crimes cannot constitute this crime. It should be pointed out that in various acts of credit card fraud, due to different behaviors, the criminal intention of the offender also has its own specific content. For example, using a counterfeit credit card or using an invalid credit card to commit fraud. The perpetrator must subjectively know that the credit card is a counterfeit or invalid credit card, otherwise this crime cannot be committed. In the case of credit card overdraft, the difference between goodwill overdraft and malicious overdraft should also be analyzed from the intentional content of the perpetrator. If the perpetrator has the intention to illegally possess other people's property, it is a malicious overdraft; otherwise, it is a goodwill overdraft.