Legal analysis: You can inform the bank to freeze the credit card and call the police. Whoever defrauds another person's credit card and uses it is an illegal act of fraudulently using another person's credit card. If the amount is more than 5, yuan, he shall be punished according to the crime of credit card fraud, be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and be fined not less than 2, yuan but not more than 2, yuan.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China commits credit card fraud under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.

the malicious overdraft 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.

Article 5 of the Decision of the Supreme People's Court and the Supreme People's Procuratorate on Amending the Interpretation of Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management uses forged credit cards, credit cards fraudulently obtained with false identification, invalid credit cards or fraudulent credit cards of others, and if the amount is more than 5, yuan but less than 5, yuan, it shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5, yuan but less than 5, yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 5, yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.

The term "fraudulently using another person's credit card" as mentioned in Item 3 of Paragraph 1 of Article 196 of the Criminal Law includes the following situations:

(1) picking up another person's credit card and using it;

(2) defrauding others of their credit cards and using them;

(3) stealing, buying, defrauding or obtaining other people's credit card information by other illegal means, and using it through the Internet, communication terminals, etc.;

(4) other cases of fraudulent use of other people's credit cards.