The forms of credit card fraud are: 1, using forged credit cards. Using forged credit cards is an important form of credit card fraud. The perpetrator must use a forged credit card to constitute this crime. 2. Use an invalid credit card. An invalid credit card refers to a credit card that loses its validity for legal reasons. According to the credit card regulations, the reasons that can lead to the invalidation of a credit card generally include the following situations: (1) The credit card automatically becomes invalid after the expiration date; (2) The cardholder stops using it and returns it to the original issuing bank within the validity period, which is invalid; (3) Failure to report the loss of credit card; Whether the cardholder or the non-cardholder knowingly uses the above-mentioned invalid credit card, it shall be punished as this crime. 3. Fraudulent use of other people's credit cards. "Fraudulent use of another person's credit card" refers to fraudulent acts such as shopping, spending and withdrawing cash in the credit card business by non-cardholders who use the credit card in the name of the cardholder without the consent or authorization of the cardholder. Fraudulent use of other people's credit cards, the actor must have the purpose of illegal possession, which will be different from fraudulent use of relatives and friends' credit cards.

legal ground

The crime of credit card fraud stipulated in Article 196 of the Criminal Law of People's Republic of China (PRC) refers to the act of using a credit card to defraud a large amount of property for the purpose of illegal possession in violation of the regulations on credit card management. The use of credit cards generally refers to the use of forged or invalid credit cards or fraudulent use of other people's credit cards or malicious overdraft. The crime of credit card fraud is a kind of fraud, and the relationship between this crime and fraud is special law and general law. In this crime, credit card is a tool of crime, not the object of crime. Where an actor engages in fraudulent activities by using a credit card as a criminal tool, he shall be convicted and punished for this crime in accordance with the principle that the special law is superior to the general law.