The act of picking up 500 from the bank is a credit card fraud act of "pretending to use someone else's credit card". According to relevant regulations, "finding someone else's credit card and using it" is a credit card fraud act of "pretending to use someone else's credit card". constitutes the crime of credit card fraud.

Credit card fraud does not only include credit cards, but also general debit cards. In a legal sense, a credit card refers to a credit card issued by banks and financial institutions to units and individuals with good credit, which can be used for direct consumption in designated stores and places, and can be deposited, withdrawn, and processed at the business outlets of the card-issuing bank and associated institutions. A credit voucher and payment instrument for transfer settlement.

How to deal with a found card:

1. You can hand the bank card to the corresponding bank service desk, explain to the bank staff that you found it, and hand it over to the bank for resolution. That’s it;

2. It can be handed over to the surrounding public security agencies for proper disposal!

3. If it is not convenient to use the above two methods, you can also use this bank card service Hotline, you need to make it clear on the phone that you found it, and it is inconvenient to go to the bank service desk. You can ask bank staff to help solve the problem over the phone;

4. Just cut off the bank card and lose it, and the owner will report the loss. If you do it again, your funds will not be damaged this way.

Legal basis:

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

Article 196

Credit Card Fraud Whoever commits one of the following circumstances and commits credit card fraud 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 not more than five years in prison or criminal detention; to a fixed-term imprisonment of not less than 10 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, the sentence is to not less than 10 years of fixed-term imprisonment or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan. A fine of less than 10,000 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.