1, credit card fraud: the form of fraudulent use of others-fraudulent use refers to the behavior of non-cardholders using the cardholder's credit card to defraud property in the name of the cardholder. According to China's regulations on credit cards, credit cards are limited to legitimate cardholders and cannot be lent or transferred, which is also a principle generally followed by all countries.

2. Infringement on personal privacy: As the use of other people's identity information to apply for a credit card infringes on personal privacy, the staff of state organs or financial, telecommunications, transportation, education, medical and other units, in violation of state regulations, sell or illegally provide personal information of citizens obtained in the course of performing their duties or providing services to others, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also or shall only be fined.