Legal analysis:

1. Payment and settlement; the payment and settlement function of a credit card can provide a wide range of settlement services, facilitate cardholders’ shopping and consumption activities, and reduce the use of cash currency in society. quantity, speed up the circulation of money, and save social labor. 2. Exchange transfer; The exchange function of a credit card is reflected in the process of business travel, sales, and vacation. Cardholders can use remittances in other places or even foreign countries to realize funds through the outlets of any member institution of an international credit card organization. transfer of transfers. 3. Large-scale purchasing; As the representative of all member collectives - all cardholders, card issuers must use the market power to gain stronger bargaining power and obtain more negotiation benefits from sellers for cardholders to share. For example, institutions such as American Express and Citibank have generally provided cardholders with additional services such as discounts on card purchases and guaranteed lowest prices for card purchases. 4. Personal credit; Cardholders can accumulate personal credit in financial institutions by using credit cards. The accumulation of long-term good credit will bring many high-value returns to cardholders. Personal credit will involve all aspects of the cardholder's daily economic life.

Legal basis:

Article 196 of the "Criminal Law of the People's Republic of China" Under any of the following circumstances, if credit card fraud is carried out and the amount is relatively large, Whoever commits a crime shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years of fixed-term imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property;

(1) ) Using a counterfeit credit card;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious Overdrawn.

Derived questions:

What are the credit card repayment methods and their advantages and disadvantages?

Third-party payment platforms have different repayment platforms and different banks, and the charges are also different.

Advantages: Various and simple repayment methods, with a large space for choice;

Disadvantages: The account may not be received in time, and there are account security issues; in addition, many third-party repayment methods Foreign currency repayment is not supported.

Method 2: Automatic repayment

Automatic repayment of credit cards is generally done by binding a bank debit card and activating the automatic repayment function, so that on the last credit card repayment date of each month Previously, banks would automatically transfer money from debit cards to credit card accounts. There are two automatic repayment methods: full repayment and minimum repayment. Cardholders can choose according to their own needs.

Advantages: Timely repayment is possible, and cardholders do not need to worry about repayment every month.

Disadvantages: If there are insufficient funds on the debit card, the repayment will fail and various overdue fees will be incurred.

Method 3: Online banking repayment

For online banking repayment, the cardholder only needs to turn on the computer and log in to the bank account to repay. However, it should be noted that different repayment banks have different charging standards and specific payment arrival times.

Advantages: Simple and hassle-free, no need to go to the bank counter, only computer network required to repay the loan

Disadvantages: There are security issues such as password leakage and account theft; in addition, there is a charge A certain handling fee

Method 4: Mobile repayment

Mobile repayment is divided into mobile banking repayment and telephone repayment. For mobile banking repayment, as long as you make sure you have a debit card with sufficient balance, you can log in to mobile banking via your mobile phone and transfer funds to credit cards of the same person or across banks. Currently, mobile banking transfers from the five major banks are free of fees.