If the credit card is less than 20 thousand, it can be repaid in installments and credit card fraud can be carried out. Malicious overdrafts of more than 50,000 yuan but less than 500,000 yuan are huge; The standard for the huge amount of credit card fraud is more than 5,000 yuan and less than 50,000 yuan; 1, using a forged credit card; 2. Use an invalid credit card; 3. Fraudulent use of other people's credit cards; 4. Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.