The crime of financial fraud refers to the act of defrauding public and private property or the credit of financial institutions by fabricating facts or concealing the truth for the purpose of illegal possession, and disrupting the order of financial management. The types of crimes include: fund-raising fraud, loan fraud, financial instrument fraud, letter of credit fraud, credit card fraud, securities fraud, insurance fraud, etc. Article 196 of the Criminal Law includes the crime of credit card fraud. 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 more 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 less than five years in prison or criminal detention. Whoever commits a particularly huge amount and has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. The following fines or confiscation of property may be imposed: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft of. 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. Legal basis: Article 266 of the "Criminal Law of the People's Republic of China" Whoever defrauds public or private property and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or surveillance, and shall also or solely be fined for a huge amount or other If the circumstances are serious, the offender shall be sentenced to fixed-term imprisonment of not less than three years and not more than ten years, and the fine amount shall be particularly huge, or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined or his property shall be confiscated. If this law provides otherwise, the provisions shall prevail. Article 192. Whoever uses fraudulent methods to illegally raise funds for the purpose of illegal possession and the amount is relatively large shall be sentenced to a fixed-term imprisonment of not less than three years but not more than seven years. If the amount of punishment is huge or there are other serious circumstances, he shall be sentenced to a fixed-term imprisonment of not less than three years but not more than seven years. Imprisonment or life imprisonment, and a fine or confiscation of property. If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph. Article 266 Whoever defrauds public or private property and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or surveillance, and shall also or solely be fined; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than three years but not more than ten years. Fixed-term imprisonment and a fine; if the amount is particularly huge or there are other particularly serious circumstances, the offender shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment and shall also be fined or have property confiscated. If this law provides otherwise, the provisions shall prevail.