1. Credit card fraud (also known as 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. Letter of credit fraud refers to the act of using letters of credit to defraud a large amount of property for the purpose of illegal possession by means of fictional facts or concealing the truth.

Two: Subjectively, letter of credit fraud can only be intentional and must have the purpose of illegally occupying public and private property. If the perpetrator has no intention of fraud, even if he has obtained property in violation of the relevant provisions on the management of letters of credit, he cannot be punished as a crime. If you don't know that it is a forged or invalid letter of credit, you can't use it, overdraw in good faith, use someone else's credit card, etc. And can't be punished as a crime.

Third, the crime of credit card fraud: this crime must be a large amount of credit card fraud. "Large amount" is the main boundary of credit card fraud. For a small amount of credit card fraud, administrative liability and civil liability can be investigated.