1. If the credit card is stolen by a friend, it is suspected of credit card fraud, and it is recommended to call the police;

2. If the credit card is used with the consent of the parties, it is a civil case, and it should be sued to the court for repayment;

Pay back the credit card debt first, and then ask the other party for money. If the credit card is not returned, the bank will hold the cardholder responsible.

2. Article 196 of the Criminal Law Whoever commits credit card fraud under any of the following circumstances, if the amount is relatively large, 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 ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; 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 not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) Using a forged credit card;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

Third, if the credit card is overdue, it will cause high interest and credit problems:

1. The credit card is frozen and cannot be used, and negative information such as overdue repayment will be recorded in the personal credit report.

2. Negative information such as overdue repayment is not always recorded in personal credit report. At present, China's credit record has been maintained for five years. After paying off the credit card debt, anyone can start building a credit record again and start again.

3. Whether it constitutes a criminal offence and whether you will go to jail depends not only on the time of arrears, but also on the principal amount of credit card arrears.

4. If the amount of principal owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in the criminal law and suspected of credit card fraud. According to the law, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan.

5. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

Extended data

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. To avoid credit card fraud, we should keep in mind the key points such as not trusting mobile phone information, protecting credit card passwords, and setting payment limits.

The credit card is maliciously overdrawn. Credit card overdraft means that the cardholder can still use the credit card for consumption with the approval of the bank when the credit card account of the issuing bank has insufficient funds or no funds. Credit card overdraft is essentially the consumer credit provided by the bank to the cardholder, that is, when the funds are insufficient, the cardholder is allowed to spend first, and then the cardholder makes up the funds and pays certain interest according to the regulations.

In China, the issuing bank generally stipulates that cardholders are allowed to make short-term goodwill overdrafts within a certain limit. In practice, some criminals take advantage of the feature that bank credit cards can be overdrawn, and for the purpose of illegal possession, they still refuse to return the overdraft after being collected by the issuing bank or abscond to hide their identity after a large overdraft, so as to avoid the repayment responsibility. This kind of behavior is called fraud crime of malicious overdraft by credit card.

Refer to Baidu Encyclopedia for credit card fraud