According to Article 196 of the Criminal Law, the crime of credit card fraud refers to the act of using credit cards to defraud a large amount of property for the purpose of illegal possession, in violation of credit card management regulations.

Commercial prepaid cards are characterized by being prepaid and issued by non-financial institutions, which can be divided into two categories according to different issuing institutions:

One is a multi-purpose prepaid card issued by a licensed card issuer, which can be used across regions, industries and legal persons;

The other is a single-use prepaid card issued by a commercial enterprise, which only buys goods and services in the enterprise or chain commercial enterprises of the same brand.

Extended data

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

1. If the overdraft amount is large, it constitutes the crime of credit card fraud.

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 the behavior of the actor to defraud public and private property by using credit cards through fictional facts or concealing the truth.

3. The subject of this crime is a general subject, and a natural person can be the subject of this crime.

4. The subjective aspect of this crime is intentional, and it is direct intentional. Subjectively, the actor must also have the purpose of illegally possessing public and private property. Indirect intentional and negligent crimes cannot constitute this crime.