The specific behavior forms of credit card fraud: 1. Using forged credit cards. Using forged credit cards is an important form of credit card fraud. 2. Use an invalid credit card. An invalid credit card refers to a credit card that has lost its effectiveness due to legal reasons. 3. Fraudulent use of other people's credit cards. The so-called "fraudulent use of someone else's credit card" means that a non-cardholder uses a credit card in the name of the cardholder without the cardholder's consent or authorization, and conducts fraud such as shopping, consumption and cash withdrawal in the credit card business. 4. Malicious overdraft. It refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being collected by the issuing bank. Article 196 of the Criminal Law is legally objective:

Article 196 of the Criminal Law 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: (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 term "malicious overdraft" as mentioned in the preceding paragraph refers to the act that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still 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.