Legal analysis: anyone who picks up another person's credit card and uses it belongs to the act of fraudulently using another person's credit card. If the amount is relatively large, the perpetrator shall be investigated for criminal responsibility for the crime of credit card fraud in accordance with the provisions of Article 196 of the Criminal Law.

According to the interpretation of relevant legislation, "credit card" in the sense of criminal law refers to an electronic payment card issued by commercial banks or other financial institutions, which has the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal.

Since the issuance and use of credit cards are based on the credit status of cardholders, they can only be used by cardholders approved by card issuers, and cannot be transferred, lent or mortgaged. In other words, non-cardholders who use credit cards for whatever reason can be regarded as violating the credit card management regulations.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) "The amount is relatively large, and it needs to be investigated for criminal responsibility under any of the following circumstances:

One is to use a forged credit card, or to use a credit card defrauded by a false identity certificate; The other is to use an invalid credit card; The third is to fraudulently use other people's credit cards; The fourth is malicious overdraft.