Credit card fraud. Because Article 196

Article 196 of the Criminal Law, under any of the following circumstances, whoever commits credit card fraud and 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. fine; 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 a fine of 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, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; 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 forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card ; (3) Pretending to use other people’s credit cards; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

Your behavior complies with the first paragraph, using false identification to fraudulently obtain a credit card.

It does not matter whether the unit deposit exists or not, nor does it matter who goes to the bank to complete the procedures. As long as there are facts you forged, the card will be processed over there.

The amount of the crime is not related to the amount of your handling fee. It will be no problem if you confiscate a penny. It is related to the amount of fraud on the credit card you applied for.

The number of banks is not the key, they are all summarized anyway. It's too easy to commit credit card fraud. 5,000 will be investigated for criminal liability. As long as one is discovered, they are all connected to the Internet anyway, and it is not easy for the others to escape. Others have made some money and spent it happily, but for the sake of a small profit, you have to take a lot of risks.

Besides, even if the amount of card fraud committed by you who falsely proves your identity is not enough, you can still be convicted based on the nature and circumstances.

If the police had more evidence, it would be a gang, which would be more serious.

This kind of thing just can’t happen. Once something happens, it’s a series of things and you can’t run away. If the person who applied for the card has an overpayment, they will be checked back. Nowadays, this thing is an assembly line, and the police usually fish for it, dig it out from home to home, and then arrest people.

Retreat as soon as possible and clean your tail. If everyone in your family knew your true identity, that would be a bomb.

If it is possible to allow the card holder to change the unit, it doesn’t matter whether the loopholes can be plugged or not, we will wait until the change is made. It's probably not very useful, because the original data is still there, and the fictitious units are still there when you check it.