Briefly describe the concept and characteristics of credit card fraud.

a: the crime of credit card fraud refers to the act of using credit cards to defraud a large amount of property for the purpose of illegal possession.

(1) objectively, credit cards must be used for fraudulent activities to defraud large amounts of property. Fraudulent use of credit cards refers to: ① using forged credit cards or using credit cards fraudulently obtained with false identification. ② Use an invalid credit card. Users are not limited to cardholders. ③ Fraudulent use of other people's credit cards. 4 malicious overdraft.

(2) The subject must be a natural person who has reached the age of 16 and has the ability to identify and control, and the unit cannot be the subject of this crime.

(3) Subjectively, it must be intentional. The actor knows that his behavior will lead to the harmful result of disrupting the financial order and infringing on other people's property, and hopes or allows this result to happen. Subjectively, the actor has the purpose of illegal possession.