Legal analysis: 1. The difference between embezzlement and theft: first, the object of crime is different; Second, the objective aspects of crime are different; Third, the subjective aspects of crime are different. 2. The difference between embezzlement and credit card fraud: Credit card fraud and embezzlement are two completely different crimes. The object of the crime of credit card fraud is the credit card management system, while the crime of embezzlement infringes on property rights.

Legal basis: Criminal Law of People's Republic of China (PRC).

Article 270 Whoever illegally occupies another person's property in a relatively large amount and refuses to return it shall be sentenced to fixed-term imprisonment of not more than two years, criminal detention or a fine; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than two years but not more than five years and shall also be fined. Whoever illegally takes forgetting things and buried objects of others for himself and refuses to hand them over in a large amount shall be punished in accordance with the provisions of the preceding paragraph. This crime can only be dealt with if it is spoken.

Article 264 Whoever steals a large amount of public or private property, or repeatedly steals, enters a house, carries a weapon or pickpockets, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or 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 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 or confiscated.