Does not constitute.

1. Legal use of credit cards

Credit cards, as a payment tool, are widely accepted and used in modern society. It allows cardholders to make purchases within the credit limit and repay the balance within the agreed repayment period. Under normal circumstances, it is legal for cardholders to use credit cards for shopping, paying bills, etc. and does not constitute any criminal behavior.

2. Credit card abuse and criminal activities

Although swiping a credit card is not illegal in itself, if the cardholder abuses the credit card or conducts illegal activities, it may involve criminal activities. For example, malicious overdrafts, fraudulent use of other people's credit cards, and counterfeit credit cards are all illegal. These behaviors not only harm the interests of the bank, but also infringe on the property rights of others. In serious cases, they may constitute criminal crimes such as credit card fraud.

3. Precautions for legal use of credit cards

In order to use credit cards legally and avoid the risk of crime, cardholders need to pay attention to the following points:

1. Comply with the rules of credit card use: Cardholders should understand and abide by the rules of credit card use, including repayment deadlines, overdraft limits, etc., to ensure that debts are repaid on time and to avoid negative credit records.

2. Protect personal information: Cardholders should properly keep their credit card and related information to avoid leaking it to criminals. At the same time, do not lend your credit card to others at will to avoid malicious overdraft or fraudulent use by others.

3. Be wary of fraud: Cardholders should be more vigilant and guard against various types of credit card fraud. When encountering suspicious transactions or fraudulent calls, you should promptly report the case to the bank or public security agency.

In summary:

Swiping a credit card does not constitute a criminal act in itself, but cardholders need to use credit cards legally, comply with relevant regulations, and avoid abuse or criminal activities. At the same time, cardholders should also protect personal information, prevent fraud risks, and ensure the safety of their property.

Legal basis:

"Criminal Law of the People's Republic of China"

Article 196 provides:

Whoever commits credit card fraud under one of the following circumstances 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; if the amount is huge or there are other serious circumstances, he shall be sentenced to not more than five years in prison or criminal detention; Whoever commits a crime shall be sentenced to fixed-term imprisonment of not less than 10 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, 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. A fine of less than RMB 10,000 or confiscation of property may be imposed:

(1) Using a counterfeit credit card;

(2) Using an expired credit card;

(3) Pretending to be Using other people’s credit cards;

(4) Malicious overdraft.

"Commercial Bank Law of the People's Republic of China"

Article 35 stipulates:

Commercial bank loans shall be subject to the borrower's The purpose, repayment ability, repayment method, etc. will be strictly reviewed. Commercial bank loans should implement a system of separation of review and loan and hierarchical review and approval.