Legal subjectivity:

The difference between the crime of credit card fraud and the crime of fraud lies in the different objective manifestations of the two. If an individual defrauds public or private property of more than 2,000 yuan, it is classified as "a relatively large amount"; the crime of credit card fraud is to use a forged, invalidated or fraudulently obtained credit card with a false identity certificate, false use, malicious overdraft, and conduct credit card fraud activities, the amount is relatively large behavior. The law is objective:

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

Article 196

Carry out credit card fraud under any of the following circumstances: If the amount involved in any activity is relatively large, he 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; to a fixed-term imprisonment of 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 shall be 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 50,000 yuan. A fine of not less than RMB 500,000 but not more than RMB 500,000 or confiscation of property:

(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.