Legal analysis: Anyone who uses a forged credit card, or uses an invalid credit card, or uses someone else's credit card falsely, or maliciously overdraws a credit card with an amount of more than 5,000 yuan shall be prosecuted.

Legal basis: According to Article 15 of the Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Prosecution Standards of Economic Crimes, anyone suspected of one of the following circumstances shall be prosecuted for the crime of credit card fraud: 1. Use a forged credit card, or use an invalid credit card, or use someone else's credit card. The amount is more than 5,000 yuan;

2. The amount of malicious overdraft is more than 5,000 yuan.